Fraud Risk Analytics Sr Analyst

Citizens • Johnston, RI • 3h ago

Description

The Fraud Risk Sr Analyst is accountable for monitoring and developing fraud risk strategies for Citizens Commercial Debit & Credit Card accounts with a focus on IT tools and systems to monitor and mitigate fraud. The Fraud Risk Sr Analyst will take the lead in the development of fraud processes, strategies, and IT controls/tools to mitigate fraud risk during all facets of the Debit & ATM process while balancing customer experience, operational and product P&L impacts. Responsibilities include evaluation of new information security tools and processes to enhance detection, and reporting on overall Fraud losses and trends in addition to monitoring strategy performance. Reconcile numerous metrics and condense/summarize portfolio performance, with recommendations for improvements to information security processes and technologies.

Primary responsibilities include

Monitor and develop fraud strategies, tools, processes, models and ensure that they deliver superior fraud detection while balancing approval rate and product P&L impacts. Explain variances and recommend remedial actions to all stakeholders. Mine application data to develop segmentation to improve fraud detection and minimize impact to legitimate applications.

Strong partnership with vendors and Product team effectively managing the fraud controls for new-account application based on ROI.

Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Risk Management Framework and internal Citizens Bank Policies and Policy Standards.

Develop, implement, monitor, and provide performance tracking of fraud strategies and fraud prevention tools and processes.

Conducts ongoing analysis to identify root cause of fraud trends and propose potential solutions

Effectively manages competing priorities of requests working under strict deliverables

Required Skills/Experience

5+ years of advanced analytics work experience preferably in Financial Services industry

High proficiency with data extraction/mining tools (data processing and analysis) like SQL, SAS

Proficient with Microsoft Office applications; Advanced Excel. PowerPoint

Strong problem solving and analytical skills

Excellent communications (oral and written), interpersonal / business partnering, and organizational skills

Preferred Skills/Experience

Strong knowledge of the fraud management life cycle and industry trends

Previous experience with managing fraud application risk at another financial institution is a plus

Education

Bachelor's Degree in Operations Management, Mathematics, Statistics, Actuarial Sciences, Economics, Engineering or other quantitative, business, or technical discipline, or equivalent combination of education and business applied experience.

Master's degree preferred.

Hours & Work Schedule

Hours per Week: 40

Work Schedule: 8:30am - 5:00pm, Monday - Friday, position requires working 4 days on site at one of our office locations

Pay Transparency

The salary range for this position is $80,000 - $100,000 per year. Actual pay is based on various factors including but not limited to the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit https://jobs.citizensbank.com/benefits

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Some job boards have started using jobseeker-reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth

Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.

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