Fraud Risk Analyst

U.S. Bank

. Analyze complex data to identify emerging fraud trends .

Posted 10/2/2026full-timeUnited StatesMid-LevelSenior💰 $105,400 - $124,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in fraud analytics, rule development, and strategy testing, leveraging tools such as SQL, SAS, and Python to translate complex data into actionable insights. Strong understanding of compliance standards and fraud typologies, with a commitment to ethical technology use and effective communication across cross-functional teams.

Highest-signal resume keywords

Fraud AnalyticsSQLSASPythonFraud Rule Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Data AnalysisPredictive ModelingStatistical AnalysisAutomationSegmentation AnalysisPerformance MonitoringRoot-Cause AnalysisFraud Risk StrategiesStrategy TestingFraud Detection

Soft Skills

Strong Communication SkillsOrganizational SkillsAttention to DetailDecision-MakingInfluencing Skills

Tools & Technologies

AI ToolsFraud Decisioning PlatformsData Analysis SoftwareMicrosoft OfficeVisualization Tools

Industry Keywords

First-Party FraudThird-Party FraudSynthetic Identity FraudFair Banking PrinciplesCompliance StandardsDigital BankingIdentity VerificationAccount OriginationFraud Strategy DevelopmentExternal Fraud Providers

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Analyze complex data to identify emerging fraud trends
Develop, implement, test, and continuously refine fraud rule strategies for new account originations
Own fraud rule strategies for one or more products using SAS, SQL, Python, and other analytical tools
Quantify business impacts while balancing fraud mitigation, customer experience, and operational efficiency
Evaluate emerging fraud trends and assess existing rule performance and efficiency
Use statistical analysis and performance monitoring to recommend rule thresholds, segmentation, and treatment strategies
Design and execute strategy tests and champion/challenger initiatives
Monitor rule performance, detect anomalies, validate thresholds, and identify opportunities to strengthen strategies and processes
Leverage approved AI, analytics, automation, and visualization tools to accelerate insights and improve fraud detection
Translate analytical findings into actionable recommendations and communicate strategy updates, rule performance insights, and business impacts
Collaborate with operations, technology, risk management, and cross-functional teams
Conduct root-cause analysis and ensure alignment with compliance and governance standards
Develop sustainable strategies and support rule development across First-Party Fraud and Third-Party Fraud

Requirements

What you’ll need

Bachelor’s degree, or equivalent work experience
Typically more than six years of applicable experience
Strong background in fraud analytics and rule development
Strong understanding and experience in SQL, SAS, and Python
Ability to independently design analytical frameworks, automate complex processes, build predictive models, and translate large-scale data into actionable fraud risk strategies and business recommendations
Experience supporting fraud strategy development within account origination, onboarding, identity verification, or digital banking environments
Experience with external fraud and identity providers (Socure, LexisNexis, Sentilink, etc.)
Experience performing strategy testing, segmentation analysis, or champion/challenger experiments
Experience working in large datasets to support strategy testing, treatment analysis, and performance evaluation
Knowledge of Fair and Responsible Banking principles and compliance considerations in strategy development
Comprehensive knowledge of bank systems and experience with fraud decisioning platforms and rule engines
Thorough understanding of fraud typologies, including First-Party Fraud, Third-Party Fraud, Synthetic Identity Fraud, and related fraud risks
Strong verbal and written communication skills
Ability to influence cross-functional partners through data-driven recommendations and effective communication
Ability to manage multiple priorities in a fast-moving environment, demonstrating strong organizational skills, attention to detail, and effective decision-making
Commitment to compliance, internal controls, and ethical use of technology, including responsible use of approved AI tools
Proficient computer navigation skills, including Microsoft Office and data analysis software
Bachelor’s degree in Quantitative field; Master’s degree a plus
Must be able to work from a U.S. Bank location three or more days per week
Position is not eligible for visa sponsorship
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies

Benefits

Comp & perks

Healthcare (medical, dental, vision)
Basic term and optional term life insurance
Short-term and long-term disability
Pregnancy disability and parental leave
401(k) and employer-funded retirement plan
Paid vacation (from two to five weeks depending on salary grade and tenure)
Up to 11 paid holiday opportunities
Adoption assistance
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law
Incentive and recognition programs
Equity stock purchase
401(k) contribution and pension