Fraud Reporting Analyst

Summary

Pathward is a financial empowerment company dedicated to creating financial inclusion for all. The Fraud Reporting Analyst role focuses on analyzing fraud-related data to identify trends and enhance program performance, while also developing reporting methods to support effective fraud detection and investigation.

Responsibilities

• Analyze large, complex datasets to generate insights across credit performance, fraud trends, and portfolio risk, using descriptive, predictive, and prescriptive analytics, with a primary focus on fraud detection effectiveness, loss drivers, alert-to-case conversion, and emerging fraud typologies
• Support development and monitoring of fraud detection models, rules, thresholds, and segmentation strategies, ensuring alignment with evolving fraud risks and typologies
• Design and deliver fraud and risk reporting (KPIs/KRIs) aligned to BSA/AML and enterprise risk standards, ensuring data integrity, audit traceability, and clear linkage to control effectiveness, including reporting on fraud losses, alert volumes, investigation outcomes, SAR referral indicators, and operational effectiveness metrics across the fraud lifecycle
• Establish and maintain data governance and validation processes, including reconciliations, lineage tracking, and documentation to support audit and regulatory requirements, with a focus on fraud data accuracy, completeness, and traceability across upstream systems (e.g., transaction data, alerting platforms, and case management tools)
• Translate complex data into actionable, executive-ready insights, while partnering cross-functionally to implement strategies, address control gaps, and enhance overall risk and fraud program performance, including identification of fraud control weaknesses, breakdowns in alerting or investigation processes, and opportunities to improve detection, escalation, and resolution outcomes
• Partner with Fraud Operations, Compliance (BSA/AML), Risk, Product, and Technology teams to ensure fraud reporting aligns with regulatory expectations and supports effective decision-making, including SAR-related considerations where applicable
• Analyze fraud alert and case lifecycle data (intake, triage, investigation, disposition) to identify process inefficiencies, quality issues, and opportunities for automation or control enhancement
• Other duties as assigned

Skills

• Bachelor's degree or equivalent education and work experience
• Up to 2+ years with bachelor's or equivalent
• Ability to handle large volume of data and derive actionable insights
• Strong analytical and problem-solving skills, combined with solid business acumen
• Strong written and communication skills with ability to explain complex insights to a range of audiences
• Foundational understanding of fraud typologies (e.g., account takeover, first-party fraud, transaction fraud) and how they manifest in data
• The ability to thrive in a fast-paced startup environment
• Experience in data analysis within financial services, fraud risk management, payments, or related domains preferred
• Experience in the consumer credit industry is a plus
• Experience with fraud analytics, fraud reporting, payments data, or financial crime data strongly preferred
• Experience working with fraud KPIs/KRIs, operational metrics, and regulatory or audit-driven reporting environments is preferred
• Familiarity with fraud detection systems, alert/case management tools, or transaction monitoring platforms is a plus

Qualifications

Must Haves

• Bachelor's degree or equivalent education and work experience
• Up to 2+ years with bachelor's or equivalent
• Ability to handle large volume of data and derive actionable insights
• Strong analytical and problem-solving skills, combined with solid business acumen
• Strong written and communication skills with ability to explain complex insights to a range of audiences
• Foundational understanding of fraud typologies (e.g., account takeover, first-party fraud, transaction fraud) and how they manifest in data
• The ability to thrive in a fast-paced startup environment

Nice to Haves

• Experience in data analysis within financial services, fraud risk management, payments, or related domains preferred
• Experience in the consumer credit industry is a plus
• Experience with fraud analytics, fraud reporting, payments data, or financial crime data strongly preferred
• Experience working with fraud KPIs/KRIs, operational metrics, and regulatory or audit-driven reporting environments is preferred
• Familiarity with fraud detection systems, alert/case management tools, or transaction monitoring platforms is a plus

Benefits

• We have onsite locations in: Sioux Falls, SD,  Scottsdale, AZ,  Louisville, KY,  Troy, MI,  Franklin, TN,  Easton, PA.
• Annual performance-based incentive opportunity
• Health insurance
• 401(k) retirement benefits
• Life insurance
• Disability benefits
• Paid time off