Junior Payments and Fraud Analyst

Austin Capital Bank; Austin (TX); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Employer-paid health insurance

PTO 16–30 days/year

Paid holidays

401(k) with employer match

Monthly chair massages

Strong work-life balance

Growth opportunities

Supportive team environment

Job summary

Austin Capital Bank is hiring a Junior Payments and Fraud Analyst to help protect customers and the bank from fraud while supporting secure payments operations. You will work with the Payment and Fraud team on transaction monitoring, investigations, and case documentation.

The role offers exposure to digital banking, fraud tools, and regulatory environments, with opportunities to grow into more advanced roles within the bank. Start‑up spirit with growth drive.

Qualifications

• High school diploma or equivalent is required.
• 1–2 years’ experience in banking, financial services, or fraud prevention.
• Internship experience in financial services or data analysis is a plus.
• Customer service, contact center, or payments processing experience is valued.
• Interest in fraud prevention, financial crimes, and risk management.
• Exposure to SQL, reporting tools, or data visualization platforms is a plus.
• Excellent organizational and time management skills.
• Dependable, accountable, and eager to learn from feedback.

Responsibilities

• Monitor daily payment activity across ACH, debit card, and other payment channels for unusual or suspicious activity.
• Review alerts generated by fraud monitoring systems and elevate potential fraud concern to senior team members.
• Assist with customer account reviews, investigations, and fraud case documentation.
• Support the team in identifying suspicious transactions, payment anomalies, and other fraud indicators.
• Maintain accurate records of fraud investigations, and case outcomes.
• Help gather data and information needed for investigations, audits, and compliance reviews.
• Support Know Your Customer (KYC) and Know Your Business (KYB) review process when applicable.
• Communicate professionally with internal teams regarding fraud related issues and operational needs.
• Provide enhanced due diligence and escalated investigations for high risk funds transfers.
• Providing investigation, documentation, and decisions for customer payment disputes and chargebacks.
• Learn and use fraud detection tools, case management systems, and reporting platforms.
• Assist with testing and implementation of new fraud controls, alerts, workflows, and processes.
• Identify opportunities for process improvements and share recommendations with the team.
• Stay informed on emerging fraud trends and participate in ongoing training and development opportunities.
• Perform other duties and special projects as assigned.

Skills

Banking experience

Fraud prevention interest

Customer service experience

Time management

Learning from feedback

Dependable and accountable

Education

High school diploma or equivalent

Tools

SQL

Reporting tools

Data visualization platforms

Job description

Job Title: Junior Payments and Fraud Analyst

Location: Austin, Texas - Onsite

About Us:

At Austin Capital Bank, we create financial products and services that do good by enhancing our customers’ financial well‑being. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start‑up spirit alive.

Austin Capital Bank is one of the fastest-growing companies in the nation, receiving recognition on the Inc. 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank on its Fast 50 list for the fastest-growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.

We think and act like an entrepreneurially driven start‑up but one that is profitable—the best of all worlds. Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.

With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.

Why You’ll Love Working Here:

• 100% Employer-paid Medical, Dental, & Vision Insurance - Full coverage for employee-only plans, with affordable options to add your family.
• Generous Paid Time Off (PTO) - Start with 16 days per year and grow to 30 days as your tenure increases.
• Paid Holidays - 11+ paid holidays in a year so you can enjoy your time off.
• 401(k) with 4% Employer Match - Build your future with company-matched retirement savings.
• Monthly Chair Massages - Relax and recharge on us.
• Consistent Schedules & Work-Life Balance - No evenings, weekends, or weird hours—just the work-life balance of a normal human.
• Opportunities to Grow - Career development, tuition assistance, and the ability to explore roles across the bank.
• A Team That Feels Like a Team - Supportive coworkers, positive environment, and leadership that actually listens.

Our Core Values:

We are nice folks, but unapologetically fierce competitors in the marketplace who work as a team. Every member of our team embodies our core values. We work, hire, fire, and promote by these values.

• Take Initiative– A bias to action
• No Big Egos– Self-confidence with humility
• Honesty– Respectful and direct forthright communication
• Wicked Smart– Intellectually and emotionally self-aware

If you’re someone who is always ready to take initiative and isn’t afraid to roll up their sleeves, you’ll fit right in. We're big on humility here, cherishing honesty, and embracing emotional intelligence and self-awareness. At Austin Capital Bank, we're all about amplifying teamwork and basking in shared victories.

About The Role

The Junior Payment and Fraud Analyst is designed for someone interested in building a career in fraud prevention, payments, and risk management. In this role, you will work closely with our Payment and Fraud team to help protect the bank and our customers from fraudulent activity while supporting secure and efficient payment operations.

You will assist with transaction monitoring, fraud investigations, customer and account reviews, case documentation, reporting, and operations support tasks. This role provides hands on exposure to digital banking, payment systems, fraud detection tools, and the regulatory environment surrounding financial services.

This is an excellent opportunity for someone who is analytical, curious, detail oriented, and eager to learn. We are looking for someone who wants to develop the skills necessary to grow into a Payment and Fraud Analyst and beyond.

What You’ll Do

• Monitor daily payment activity across ACH, debit card, and other payment channels for unusual or suspicious activity
• Review alerts generated by fraud monitoring systems and elevate potential fraud concern to senior team members
• Assist with customer account reviews, investigations, and fraud case documentation.
• Support the team in identifying suspicious transactions, payment anomalies, and other fraud indicators.
• Maintain accurate records of fraud investigations, and case outcomes.
• Help gather data and information needed for investigations, audits, and compliance reviews.
• Support Know Your Customer (KYC) and Know Your Business (KYB) review process when applicable.
• Communicate professionally with internal teams regarding fraud related issues and operational needs.
• Provide enhanced due diligence and escalated investigations for high risk funds transfers.
• Providing investigation, documentation, and decisions for customer payment disputes and chargebacks.
• Learn and use fraud detection tools, case management systems, and reporting platforms.
• Assist with testing and implementation of new fraud controls, alerts, workflows, and processes.
• Identify opportunities for process improvements and share recommendations with the team.
• Stay informed on emerging fraud trends and participate in ongoing training and development opportunities.
• Perform other duties and special projects as assigned.

What You Bring

• High school diploma or equivalent required.
• 1-2 years of experience in banking, financial services, fraud prevention, risk management, payments, customer service, operations or related fields.
• Internship experience in financial services, payments, compliance, fraud or data analysis is a plus.
• Customer service, contact center, banking operations, or payment processing experience is highly valued.
• Interest in fraud prevention, financial crimes, payment systems, and risk management.
• Exposure to SQL, reporting tools, or data visualization platforms is a plus.
• Excellent organizational and time management skills.
• Dependable, accountable, and eager to learn from feedback.

Office address: 3305 Steck Ave., Austin, TX 78757

Human Resources:[e-mail]