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U.S. Bank
U.S. Bank
ConsultingInsuranceLogistics
U.S. Bank is a United States-based financial services institution serving individuals and businesses through retail and corporate banking, wealth management, credit underwriting, and investment management. The company also supports financial literacy initiatives and community engagement. Its careers content highlights an emphasis on inclusion, workplace culture, employee development, and health and wellness. U.S. Bank is an FDIC member for eligible deposit products; investment and insurance products are not FDIC insured and may lose value.
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Fraud Risk Analyst, New Account Origination (Hybrid)

U.S. Bank is seeking a Fraud Risk Analyst to develop data-driven fraud rules for new account originations. The role analyzes trends, tests controls, and improves fraud prevention strategies while balancing customer and operational needs.

USUnited StatesAZArizonaMNMinnesotaNDNorth DakotaTXTexas
$105,400 – $124,000 / year
HybridFull-timeMiddleSeniorEnglish RequiredRisk
PythonSQL

Description

  • Analyze complex data to uncover emerging fraud patterns
  • Create, implement, test, and continuously improve fraud rule strategies for new account originations
  • Manage fraud rule strategies for one or more products using SAS, SQL, Python, and related analytical tools
  • Measure business impact while balancing fraud reduction, customer experience, and operational efficiency
  • Assess emerging fraud trends and evaluate the performance and efficiency of existing rules
  • Apply statistical analysis and performance monitoring to recommend thresholds, segmentation, and treatment approaches
  • Plan and conduct strategy tests, including champion-challenger initiatives
  • Track rule performance, identify anomalies, validate thresholds, and strengthen strategies and processes
  • Use approved AI, analytics, automation, and visualization tools to accelerate analysis and improve fraud detection
  • Turn analytical results into actionable recommendations and communicate strategy changes, rule insights, and business impact
  • Partner with operations, technology, risk management, and other cross-functional teams
  • Perform root-cause analysis while maintaining compliance and governance alignment
  • Build sustainable strategies and support rule development for First-Party Fraud and Third-Party Fraud

Requirements

  • Bachelor’s degree or equivalent professional experience
  • Typically more than six years of relevant experience
  • Strong experience in fraud analytics and fraud rule development
  • Advanced working knowledge of SQL, SAS, and Python
  • Ability to independently design analytical frameworks, automate complex processes, develop predictive models, and convert large-scale data into fraud risk strategies and business recommendations
  • Experience developing fraud strategies for account origination, onboarding, identity verification, or digital banking
  • Experience with external fraud and identity providers such as Socure, LexisNexis, and SentiLink
  • Experience with strategy testing, segmentation analysis, or champion-challenger experiments
  • Experience analyzing large datasets for strategy testing, treatment analysis, and performance evaluation
  • Knowledge of Fair and Responsible Banking principles and related compliance requirements for strategy development
  • Broad knowledge of banking systems and experience with fraud decisioning platforms and rule engines
  • Deep understanding of fraud typologies, including First-Party Fraud, Third-Party Fraud, Synthetic Identity Fraud, and related risks
  • Strong written and verbal communication skills
  • Ability to influence cross-functional partners through clear communication and data-based recommendations
  • Ability to manage competing priorities in a fast-paced environment with strong organization, attention to detail, and sound judgment
  • Commitment to compliance, internal controls, and the ethical use of technology, including approved AI tools
  • Proficiency with computer navigation, Microsoft Office, and data analysis software
  • Bachelor’s degree in a quantitative discipline; a master’s degree is preferred
  • Ability to work from a U.S. Bank location at least three days per week
  • This position is not eligible for visa sponsorship
  • Ability to follow U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and applicable workplace conduct and safety requirements

Benefits

  • Medical, dental, and vision healthcare coverage
  • Basic and optional term life insurance
  • Short-term and long-term disability coverage
  • Pregnancy disability and parental leave
  • 401(k) and employer-funded retirement plan
  • Paid vacation ranging from two to five weeks based on salary grade and tenure
  • Up to 11 paid holiday opportunities
  • Adoption assistance
  • Sick and Safe Leave accrued at one hour for every 30 hours worked, up to 80 hours per calendar year unless applicable law provides otherwise
  • Incentive and recognition programs
  • Employee equity stock purchase program
  • 401(k) contributions and pension

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