Senior Fraud Analyst - Houston

Premier America Credit Union; Houston (TX); On-site; USD 45,000 - 55,000; Full time

Benefits offered by this job

Competitive pay

Subsidized health care (medical,Dental

Vision

FSA and HSA

Company-Paid Life and AD insurance

Discounts on loans

Paid Vacation, Holiday, and Sick time

401k with 6% match

Educational Assistance Program

Job summary

Premier America Credit Union is seeking a Senior Fraud Analyst in Houston to develop, administer, and maintain the fraud program. You will lead investigations, perform root-cause analyses, and recommend remediation steps while ensuring regulatory compliance and confidentiality.

The role requires expertise in fraud mitigation, risk assessment, and case management, with strong analytical and communication skills. Perks include competitive pay and robust benefits; base pay ranges hourly.

Qualifications

• Minimum five years of fraud mitigation and risk analysis experience.
• Experience with complex investigations and case management.
• High school diploma; college coursework or professional certification preferred.
• Knowledge of financial institution risk, fraud, security, and internal controls.
• CFE certification preferred.
• Strong analytical, communication, and organizational skills.
• Proficient with MS Office; able to work across teams and independently.

Responsibilities

• Maintain confidentiality and verify member activity to prevent fraud.
• Stay current with regulatory compliance such as BSA, OFAC, and Patriot Act.
• Research, investigate, and process fraud cases; recommend actions.
• Review transaction reports and fraud detection systems; escalate as needed.
• Prepare fraud SAR filings within regulatory timeframes.
• Document cases thoroughly for law enforcement and audits.
• Provide back-up support across Fraud Operations via emails and calls.

Skills

Fraud mitigation

Risk analysis

Complex investigations

Analytical skills

Verbal and written communication

Time management

Attention to detail

Teamwork

Education

High school diploma

College coursework preferred

CFE certification preferred

Tools

Microsoft Office

Job description

Description

Job Title

Senior Fraud Analyst – Houston

Overview

The Senior Fraud Analyst will develop, administer, update, and maintain the Fraud program of Premier America Credit Union. Under general guidance and supervision, serves as subject matter expert on fraud and handles routine to complex fraud cases requiring the use of independent judgment. Conducts root-cause analysis and recommends steps to remediate risks based upon findings. Supports the Credit Union’s physical security, ensures the Credit Union maintains adequate operational risks and follows applicable laws, regulations, and internal policies and procedures. Compiles and issues reports detailing conclusions and providing improvement recommendations. Conducts investigations. Maintains discretion and confidentiality.

What You Will Do

• Maintains a high level of integrity and respect for confidentiality and privacy of information. Facilitates contact between members and team members to verify account activity and/or to provide fraud prevention related recommendations and education.
• Maintains working knowledge of regulatory compliance (e.g., BSA reporting requirements, OFAC, USA Patriot Act, Red Flags, privacy, safeguarding member information, etc.).
• Researches, investigates and processes cases and claims related to fraud and other crimes against the Credit Union and its members. Recommends management appropriate course of action related to complex and sensitive fraud issues. Evaluates fraud risks associated with business decisions.
• Reviews transaction and system reports, account activity, loans and other fraud detection systems. Investigates various fraud software alerts and escalates fraud cases accordingly.
• Prepares and completes fraud SARs filings within the regulatory timeframes.
• Prepares and maintains thorough case documentation necessary to ensure complete case management tracking, including reports for law enforcement. Analyzes surveillance systems as needed for case evidence and documentation.
• Provide back-up support for all areas of Fraud Operations, to include, but not limited to, answering and processing emails and phone requests related to all Fraud Operations.

Requirements

What We Are Looking For:

• A minimum of five (5) years of experience in fraud mitigation and risk analysis in deposits, payments, loans and card services.
• Required experience with complex investigations and case management.
• A minimum of high school diploma; additional related college coursework and professional certification preferred.
• Financial institution risk, fraud, security, and internal control best practices.
• CFE certification preferred.
• Strong analytical skills.
• Proficient with Microsoft Office Suite (i.e., Outlook, Word, Excel, PowerPoint). Able to use computer applications and all related business equipment.
• Work across organizational lines to foster teamwork, trust, and quality execution.
• Works independently in a changing environment.
• Proficient at verbal and written communication.
• Strong time management and organizational skills; exceptional attention to details.

Pay Grade Info

Base pay range for this role is $33-$40/hourly.

Perks Important to You

Our Team Members enjoy the following rewards and benefits:

• Competitive pay
• Subsidized health care including medical, dental and vision
• FSA and HSA
• Company-Paid Life and A&D insurance
• Discounts on loans (must be a member)
• Paid Vacation, Holiday, and Sick time
• 401k Retirement Saving Plan with a 6% safe harbor employer match
• Educational Assistance Program and more!

Equal Opportunity Employer – Veterans / Disabled

Drug-free Workplace