Fraud Investigations Analyst

Gusto

. Independently conduct complex end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and emerging fraud typologies .

Posted 10/14/2026full-timeUnited StatesMid-LevelSenior💰 $89,165 - $112,942 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting complex fraud investigations, analyzing transactional behavior, and synthesizing findings into actionable narratives. Proficient in using AI-enabled tools for investigative workflows and mentoring junior analysts in a financial crime context.

Highest-signal resume keywords

Fraud InvestigationsInvestigative WritingAI-Enabled ToolsRisk-Based RecommendationsMentoring Junior Analysts

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud DetectionAccount TakeoverBusiness Email CompromiseIdentity TheftPayment FraudSocial EngineeringAnalytical SkillsDocumenting Complex Fact PatternsAssessing RiskDeveloping Defensible Narratives

Soft Skills

Sound Investigative JudgmentEmpathy in CommunicationClarity in CommunicationManaging Multiple Investigations

Tools & Technologies

AI-Enabled ToolsAlert TriageEvidence GatheringDocumentation

Certifications & Qualifications

Certified Fraud Examiner (CFE)CAMS

Industry Keywords

Financial InstitutionFinTechPayment ProcessorRegulated EnvironmentFinancial Crime Compliance

About the role

Key responsibilities & impact

Independently conduct complex end-to-end fraud investigations involving account takeover, business email compromise, identity theft, payment fraud, and emerging fraud typologies
Analyze account activity, transactional behavior, authentication data, customer communications, and external intelligence sources
Surface fraud indicators and build well-supported investigative narratives
Synthesize findings into case narratives and prepare Unusual Activity Referrals (UARs) for Financial Crime Compliance partners when appropriate
Escalate high-risk events with risk-based remediation recommendations
Support customers impacted by fraud and coordinate with external banking partners on fund recovery efforts, including Letters of Indemnity
Use AI-enabled tools for alert triage, issue spotting, research, evidence gathering, and documentation while validating outputs for accuracy and compliance
Collaborate with Risk, Compliance, Product, Engineering, and Data Science teams to identify emerging threats, close control gaps, and improve investigative tooling and AI-assisted workflows
Mentor junior analysts through case reviews and structured feedback

Requirements

What you’ll need

5+ years of fraud investigations, fraud detection, or similarly complex investigative work within a financial institution, FinTech, payment processor, or regulated environment
Strong investigative writing and analytical skills
Ability to document complex fact patterns, develop defensible narratives, and assess risk across ambiguous scenarios
Experience across fraud typologies including account takeover, business email compromise, identity theft, payment fraud, and social engineering
Sound investigative judgment and ability to manage multiple investigations simultaneously
Ability to make risk-based recommendations under pressure
Ability to communicate findings with empathy and clarity to customers, external institutions, and cross-functional stakeholders
Experience using AI-enabled tools in day-to-day investigative workflows
Ability to critically evaluate AI-generated outputs for accuracy, completeness, and alignment with investigative standards
Experience mentoring or providing structured feedback to junior investigators
Certified Fraud Examiner (CFE), CAMS, or other relevant financial crime certifications are a plus

Benefits

Comp & perks

Competitive base pay
Health insurance
401(k)s
Equity (RSUs)
Performance bonuses
Benefits
Flexible work arrangements, including hybrid and fully remote options when approved
Secure, reliable, and consistent internet connection required when working outside a Gusto office