Fraud Analyst

Summary

Till Financial is a banking platform built for families, and they are seeking a Fraud Analyst to own fraud detection throughout the customer lifecycle. This role involves monitoring transactions for suspicious activity, investigating fraud alerts, and improving fraud detection processes.

Responsibilities

• Monitor real-time and batch transaction queues for suspicious or anomalous activity
• Investigate fraud alerts generated by internal rules engines and third-party tools (e.g. Sift, Astra, Plaid)
• Suspicious activity escalation and reporting; maintain audit-ready case records
• OFAC screening review at onboarding and continuously
• Track fraud trends and propose rule-tuning to reduce false positives without sacrificing detection
• Identify gaps in our fraud detection program and propose process improvements
• Coordinate with Customer Service (via Zendesk) on account holds, dispute resolutions, and Reg E timelines
• Partner with Product and Engineering on customer-facing fraud controls, and surface fraud risks early in the product development cycle
• Support BSA/AML audits, regulatory exams, and internal testing
• Cross-coverage on identity verification and KYC reviews (Cognito), Plaid name-mismatch reviews, and watchlist administration as needed
• Prepare recurring fraud metrics and loss reporting for leadership

Skills

• 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations
• Working knowledge of BSA/AML fundamentals — SARs, UARs, OFAC, CIP/CDD — and an interest in deepening that expertise
• Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining your reasoning in writing
• Clear written communication — case narratives, escalation memos, and process documentation are core deliverables
• High attention to detail and the judgment to flag ambiguous cases for escalation rather than rubber-stamping
• Comfort operating in a fast-paced, evolving environment
• Bachelor's degree required
• Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling
• Familiarity with sponsor-bank-model fintech operations (BaaS)
• Experience drafting SARs or UARs
• Experience reviewing identity documentation for authenticity
• SQL or basic data tooling familiarity (Metabase or comparable)
• ACAMS, CFE, or in-progress certification

Qualifications

Must Haves

• 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations
• Working knowledge of BSA/AML fundamentals — SARs, UARs, OFAC, CIP/CDD — and an interest in deepening that expertise
• Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining your reasoning in writing
• Clear written communication — case narratives, escalation memos, and process documentation are core deliverables
• High attention to detail and the judgment to flag ambiguous cases for escalation rather than rubber-stamping
• Comfort operating in a fast-paced, evolving environment
• Bachelor's degree required

Nice to Haves

• Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling
• Familiarity with sponsor-bank-model fintech operations (BaaS)
• Experience drafting SARs or UARs
• Experience reviewing identity documentation for authenticity
• SQL or basic data tooling familiarity (Metabase or comparable)
• ACAMS, CFE, or in-progress certification

Benefits

• Annual bonus based on experience
• Health, dental, and vision coverage
• HSA with company contribution
• Parental leave
• Flexible time off
• Remote-first, NYC preferred for occasional in-person collaboration