Senior Fraud Risk Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do. Job Description The Fraud Risk Analyst develops data‑driven insights that support fraud prevention, detection, and rule management across digital banking and money movement products. The role focuses monitoring emerging fraud risks, evaluating rule effectiveness, and developing targeted enhancements that increase fraud mitigation effectiveness and reduce fraud losses while maintaining an appropriate customer experience. The analyst works closely with fraud operations, technology, and risk partners to analyze performance trends, investigate anomalies, and communicate analytical findings into clear, actionable recommendations that support effective fraud risk management and decision‑making across key areas including First Party Fraud, Third Party Fraud, Account Takeover, Scam, and ID Theft scenarios. Key Responsibilities • Analyze fraud rule performance, alert outcomes, and loss trends across digital channels to assess effectiveness, thresholds, customer impact, and identify opportunities for improvement • Leverage large, complex datasets to identify emerging fraud patterns and performance shifts that inform rule development and refinement • Develop data‑driven insights and actionable recommendations that support fraud mitigation while balancing risk, customer experience, and operational efficiency • Conduct root‑cause analysis on fraud events, performance shifts, and anomalies to inform rule enhancements and control improvements • Partner with fraud operations, technology, and risk teams to validate findings, support rule changes, and ensure alignment with governance standards • Translate analytical findings into clear, concise summaries to support management reviews and stakeholder discussions Additional Expectations • Utilize approved AI tools, analytics platforms, and digital solutions to improve efficiency, accuracy, and productivity, applying sound judgment to validate outputs and ensure responsible, ethical, and compliant use • Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures Skills and Experience • Bachelor’s degree in Business, Finance, Computer Science, Business Analytics, Statistics, or another quantitative field; Masters’ degree a plus • SAS, SQL, or Python experience • Proficient computer skills, especially Microsoft Office applications and data analysis software • Knowledge of financial services products, systems, and data preferably within the fraud domain including familiarity with online banking and digital payments • Experience analyzing fraud performance data, alerts, or rule‑based controls • Strong analytical, problem‑solving, and critical‑thinking skills • Excellent presentation, written, and verbal communication skills with the ability to communicate analytical findings clearly to technical and non‑technical audiences • Flexibility in day-to-day tasks, ability to manage multiple tasks and priorities in a fast‑changing environment, and tolerance for ambiguity • Ability to work independently and deliver high‑quality analysis in a remote environment, while collaborating effectively within a team • Ability to build strong cross‑functional relationships and contribute to stakeholder discussions at various levels of the organization, thr Apply tot his job Apply To this Job