Fraud Risk Analyst Payments & Account Takeover (ATO)

JobDiva, Inc.; Atlanta (GA); Hybrid; USD 41,000 - 44,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

Pyramid Consulting, Inc. has an immediate need for a Fraud Risk Analyst – Payments & Account Takeover (ATO) on a 06+ months contract in Atlanta, GA. Hybrid work arrangement with a pay range of $30/hr to $31.77/hr.

The role focuses on investigating ATO cases, reviewing transactions, and making risk-based decisions to protect accounts and funds. The candidate should have 2+ years of fraud/risk experience, strong analytical skills, and the ability to handle high-volume operations while

Qualifications

• 2+ years of fraud, risk, payments, or fintech experience.
• Hands-on experience investigating Account Takeover (ATO).
• Experience with transactional or payment fraud investigations.

Responsibilities

• Investigate Account Takeover (ATO) cases and fraudulent activity.
• Review accounts, payment activity, and transaction histories for fraud signals.
• Make or escalate risk decisions to hold, release, or block funds or accounts.
• Handle inbound fraud-related customer calls and authenticate customers.
• Document findings and communicate risk decisions clearly.
• Collaborate with Fraud, Risk, Payments, Operations, and Compliance teams.

Skills

Fraud risk analysis

Account Takeover investigations

Payments/fraud exposure

Customer calls handling

Risk decision documentation

High-volume operations

Job description

Immediate need for a talented Fraud Risk Analyst – Payments & Account Takeover (ATO). This is a 06+months contract opportunity with long-term potential and is located in Atlanta, GA (Hybrid).

Pay Range: $30/hr - $31.77/hour. Traveler benefits as per agency package. (Benefits vary by vendor and assignment).

Key Responsibilities:

• Investigate Account Takeover (ATO) cases involving suspicious account activity,
• Investigate Account Takeover (ATO) cases involving suspicious account activity, unauthorized access, compromised credentials, and potential fraud.
• Review customer accounts, transaction histories, payment activity, and behavioral patterns to identify fraudulent or suspicious activity.
• Conduct transaction and payment fraud investigations and determine appropriate risk actions.
• Validate payment and transaction information to determine whether activity is legitimate or potentially fraudulent.
• Make or elevate risk decisions involving holding, releasing, restricting, blocking, or protecting accounts and funds.
• Handle inbound customer calls related to fraud, suspicious transactions, account security, and payment concerns.
• Authenticate customers and gather information needed to investigate fraud cases.
• Communicate fraud findings and risk decisions clearly and professionally.
• De-escalate difficult customer situations while maintaining appropriate fraud and risk controls.
• Balance customer experience, fraud prevention, and financial risk mitigation.
• Document investigation findings, decisions, customer interactions, and supporting evidence accurately.
• Escalate complex or high-risk cases according to established procedures.
• Partner with Fraud, Risk, Payments, Operations, Compliance, and Customer Support teams to resolve issues.
• Identify emerging fraud patterns and recommend opportunities to improve fraud prevention and customer protection.
• Meet established quality, productivity, accuracy, and service-level expectations.

Key Requirements and Technology Experience:

• 2+ years of relevant fraud, risk, payments, banking, fintech, or financial-services experience.
• Hands-on experience investigating Account Takeover (ATO).
• Experience investigating transactional fraud and/or payment fraud.
• Experience reviewing accounts and transactions to identify suspicious activity.
• Experience making, documenting, or escalating risk decisions.
• Experience with payments, merchant processing, banking, fintech, or financial-services risk.
• Customer-facing fraud experience, including inbound phone calls.
• Experience authenticating customers and handling sensitive or difficult fraud conversations.
• Strong verbal and written communication skills.
• Strong analytical and investigative skills.
• Ability to work independently while following established fraud/risk procedures.
• Strong attention to detail and sound judgment.
• Experience protecting or restricting customer accounts.
• Experience placing/releasing holds on funds or transactions.
• Chargeback/payment dispute experience.
• Transaction monitoring.
• Account security.
• Fraud prevention and mitigation.
• Experience working in a high-volume operational environment.
• Recent fraud/risk experience rather than fraud experience several years ago.

Our client is a leading Healthcare Industry, and we are currently interviewing to fill this and other similar contract positions.

Pyramid Consulting, Inc. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.