Junior Payments & Fraud Analyst—Growth Path

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

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.