Card Fraud Data Analyst

Job Function Summary:

The Card Fraud Data Analyst will utilize data analytics to detect, investigate, and mitigate fraud, as well as deliver data driven insights through reporting and identifying trends. This role will contribute to risk management practices and maintaining the security of our payment systems. Partners closely with various departments, including Operations, Finance, Branches, and Customer Service, to gather data focused on the detection and prevention of fraud.

Specific Duties & Responsibilities:

• Analyze fraud reports, claims, and loss data to identify emerging fraud schemes.
• Provide data driven recommendations to reduce losses, mitigate fraud risks, and enhance fraud prevention strategies.
• Support internal quality assurance reviews and audits to ensure compliance with fraud prevention protocols and regulatory standards.
• Perform periodic risk-based reviews of merchants to assess potential vulnerabilities and ensure that fraud prevention strategies are effectively implemented.
• Work closely with Visa, Visa DPS, MAP, and other payment-related vendors to stay updated on industry trends, updates and enhancements, and contribute to project efforts.
• Review Visa CAMS alerts and thresholds, providing leadership with data driven insights for card reissuance to mitigate risks.
• Create and administer card fraud monitoring rules using Visa Risk Management Services and other comparable fraud detection tools to identify high-risk transactions.
• Use sophisticated tools and technologies to analyze payment and card transaction data, identifying patterns, trends, and anomalies that could indicate fraud.
• Pull, assimilate, and analyze data to provide ad hoc reports, and data-driven feedback for fraud reduction and prevention.
• Stay up-to-date on regulatory requirements, including REG E, REG Z, and Nacha rules, ensuring compliance in all fraud-related activities.
• Ensure compliance with UNIFY Financial Credit Union Service Standards, industry regulations, and the Bank Secrecy Act.
• Perform other duties as assigned.

Qualifications, Experience, & Education:

• High school diploma or equivalent required; Bachelor's Degree in Business, Finance, Data Analytics, or a related field preferred.
• Minimum of 3 years of experience in a financial institution, preferably within a fraud prevention, risk management, or data analytics.
• Strong understanding of Visa transactions, Visa DPS, and related payment processing systems, with hands-on experience working with Visa Data Manager, CATS, and Visa reporting tools.
• In-depth knowledge of fraud detection, monitoring, and prevention strategies, particularly within card payments and financial institutions.
• Proficiency with tools such as Verafin, Centix DTS (Dispute Tracking System), Visa Risk Management Services, and similar fraud detection platforms.
• Proficiency in Excel, SQL, or other data analysis tools to extract, manipulate, and interpret large datasets.
• Familiarity with regulatory guidelines such as REG E, REG Z, and Nacha rules, and their application in the financial services industry.
• Strong analytical and problem-solving abilities, with attention to detail in identifying and addressing fraud patterns.
• Excellent communication and collaboration skills to work with cross-functional teams and external vendors.
• Ability to manage multiple priorities and meet deadlines in a fast-paced environment.

--

See the UNIFY Difference!

At UNIFY, we believe that each team member is a valued contributor. Through a teamwork approach, we strive to provide a positive and rewarding workplace that helps our team succeed. UNIFY provides a work environment which promotes learning, growth, and the opportunity for team members to challenge themselves.

Competitive Compensation and Excellent Benefits Package* Includes:

Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short- and Long-Term Disability Insurance

Dependent and Medical Care - Flexible Spending Accounts

Vacation, Sick, Personal and Holiday Pay

401(K) Plan with employer match

Education reimbursement for approved programs

UNIFY banking privileges for you and your family

*All programs subject to review and change

An offer of employment is conditioned upon complying with UNIFY's requirements including, but not limited to, signing a consent to conduct a background investigation.

UNIFY is proud to be a drug-free, EOE including disability/vets. For more information on UNIFY, visit us at www.unifyfcu.com

#indbra1