Fraud Risk Business Analyst

Come build the next-gen fintech at Early Warning, network operator of Zelle, where we’re relentlessly focused on empowering prosperity in all its forms.

Maximise your chances of a successful application to this job by ensuring your CV and skills are a good match.

From fast money movement for over 100 million people who can access Zelle directly through their banking app to new account opening and beyond we make a difference in the lives of consumers and businesses every day and enable them to live their best financial lives.

And we’re only getting started.

With new state-of the-art offices in Scottsdale, AZ (Headquarters), Chicago, IL, San Francisco, CA plus a growing presence in New York City we’re entering our next big chapter.

We focus all hiring efforts in a few states and within driving distance of an office location to enable in-person collaboration when and where possible.

Priority hiring locations are Scottsdale, AZ, Chicago, IL, NY tri-state metro area (New Jersey, New York and Connecticut) and San Francisco, CA.

We are not actively recruiting in Rhode Island.

People matter to us, so we think our best work is done when we’re together, in-person. From informal interactions, to sharing ideas, to mentoring and beyond.

We also believe in workplace flexibility and empowering teams to determine the rhythm of work to create an inclusive culture.

Through the power of innovative collaboration, we offer hybrid and (when necessary) virtual ( remote ) workplace models.

Join us and make your mark on what’s next in fintech.

Applicants must be authorized to work for any employer in the United States. We are unable to sponsor an employment Visa for this position.

Overall Purpose

This position will perform a lead role in the elicitation of business strategies and observed performance from across the Early Warning organization as it pertains to Fraud Risk.

Teaming with senior technical and business leaders to gather, analyze and develop materials to communicate business strategy to inform and influence change across the organization and within participating financial institutions.

Serve as a liaison between Technology, Operations, and other business lines to help execute processes across the end-to-end spectrum of fraud risk management while capturing in succinct and summarized manner of outcomes for distribution and governance with internal and external stakeholders.

This position will be accountable in executing ongoing management of a compromised credential discipline to source, link and control the risk from exposed data.

Essential Functions

• Manage communication and performance inputs throughout the lifecycle of development.
• Research and document observed and projected performance and points of material changes for inclusion in communications and governance.
• Ensure communication input requirements are well defined and easily understood by all stakeholders.
• Confirm results meet the expectations of all internal and external stakeholders.
• Translate business performance and solutions into easily understood output.
• Work closely with IT, operations, product, and sales if necessary to ensure output is tailored to unique audiences and proficiencies.
• Act as the liaison and facilitator of communications between IT, Operations, Product, and other operational and functional groups as relates to Fraud Risk.
• Performs data analysis tasks, which include programming data transformations, interpreting results, and investigating root causes to find answers to how fraud is committed with Early Warning’s flagship payment product, Zelle.
• Execution of a discipline to identify exposed network credentials, social tokens, and payment information; categorize the risk of the same and apply appropriate risk treatments to those data elements.
• Provides coaching to Business Analysts.
• May perform other duties as required.
• Support the company’s commitment to protect the integrity and confidentiality of systems and data.

Minimum Qualifications

• Education and / or experience typically obtained through completion of a Bachelor’s Degree (i.e. Business, Engineering, Mathematics, Statistics, Computer Science, Operational Research or related field)
• PMP certification desired.
• Minimum of 2 or more years of related work experience (IT, banking, fraud prevention)
• Minimum of 2 or more years as a Business Analyst
• Effective oral, written, and inter-personal skills, as well as strong analytical skills.
• SAS, Python, SQL or R programming training or experience.
• Effective time management skills.
• Must be US Citizen or US National only.
• Background and drug screen.

The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor.

Preferred Qualifications

• Master’s / PhD in Business, Mathematics, Statistics, Computer Science, Engineering, Operational Research, or related field preferred.
• SAS / SQL or comparable analytic coding certification
• Experience with two or more financial institutions in fraud risk management
• Experience in both consumer and commercial banking applications
• Additional related education and / or experience preferred.
• Demonstrable track record of dealing well with ambiguity, prioritizing needs, and delivering results in a dynamic environment.

Physical Requirements

Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours.

Work may require occasional standing, walking, kneeling, and reaching. Must be able to lift 10 pounds occasionally and / or negligible amount of force frequently.

Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers.

Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

The Pay Scale For This Position In

Phoenix, AZ in USD per year is : $60,000 - $70,000.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer.

Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate’s education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers).

The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Additionally, candidates are eligible for a discretionary bonus, and benefits.

Some of the Ways We Prioritize Your Health and Happiness

• Healthcare Coverage Competitive medical (PPO / HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
• 401(k) Retirement Plan Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
• Paid Time Off Unlimited Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
• 12 weeks of Paid Parental Leave
• Maven Family Planning provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!

Early Warning Services, LLC ( Early Warning ) considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws.

The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.

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