Fraud Decisioning 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 and enabling the communities we support to grow and succeed. 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 at every stage of your career. Try new things, learn new skills and discover what you excel at-all from Day One.

Job Description

NOTE: This position is not eligible for current or future visa sponsorship.

The Fraud Decisioning Analyst provides advanced analytics to evaluate and enhance fraud decisioning, performance, and queue dynamics across enterprise alert volumes within the Fraud Mitigation Solutions (FMS) organization.

This role applies advanced, data‑driven analysis to evaluate how fraud decisioning performs in production-focusing on alert drivers, decision accuracy, and queue efficiency across enterprise volumes. By identifying performance gaps, inefficiencies, and emerging risks within the fraud mitigation lifecycle, the analyst enables more effective, efficient, and risk‑aligned decisioning at scale.

The Fraud Decisioning Analyst translates complex execution‑level analytics into actionable insights that improve fraud detection outcomes, reduce customer friction, and support sustainable workload management across fraud mitigation teams. This role does not design or implement rules, but instead provides the analytical foundation to inform enhancements to decisioning strategies, alert performance, and workflow execution.

Key Responsibilities

• Analyze fraud decisioning performance across enterprise alert volumes, evaluating alert drivers, decision outcomes, false positive rates, and queue dynamics to identify performance gaps and inefficiencies.

• Assess end‑to‑end alert lifecycle and workflow performance, including queue throughput, capacity utilization, and case handling efficiency, to improve operational effectiveness and scalability.

• Conduct root‑cause analysis on alert behavior and decision outcomes, identifying drivers of unnecessary alerts, missed detection opportunities, and workflow bottlenecks.

• Develop and maintain performance metrics and reporting frameworks that provide transparent, consistent views of alert effectiveness, benefit, decision accuracy, and operational impact.

• Identify and quantify optimization opportunities to improve fraud detection outcomes, reduce customer friction, and balance workload across fraud mitigation teams, using data-driven analysis.

• Translate complex, execution-level analytics into actionable insights and recommendations, enabling stakeholders to improve decisioning outcomes and workflow efficiency.

• Partner with Fraud Mitigation Solutions (FMS) and Fraud Strategy teams to align on performance insights, validate findings, and support continuous improvement initiatives.

• Support evaluation of fraud controls and decisioning approaches in production, providing analytical input on performance impacts without directly designing or implementing rules.

• Monitor emerging trends, anomalies, and shifts in alert behavior to identify new risks, changing fraud patterns, or degradation in performance.

• Ensure analytical rigor and data integrity, validating assumptions, methodologies, and outputs to support confident, decision-ready insights.

Additional Expectations

• Leverage approved AI‑enabled productivity tools to improve efficiency, quality, and effectiveness of work outputs, applying sound judgment to validate results and ensure responsible, compliant use in accordance with company policies.

• Develops and delivers data‑driven insights and narratives to inform decision‑making and support business objectives.

• Perform additional duties and assume evolving responsibilities as needed to support changing business priorities, organizational needs, and strategic objectives.

• Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures.

Basic Qualifications

• Bachelor's degree, or equivalent work experience
• Typically more than eight years of applicable experience

Preferred Skills/Experience

• Comprehensive knowledge of all departmental data sources, and of fraud risk and operations management associated with the product lines
• Strong analytical skills relative to evaluating fraud prevention infrastructure and forecasting fraud loss trends
• Strong project management skills
• Effective verbal and written communication skills
• Proficient computer navigation skills using a variety of software packages including Microsoft Office applications and data analysis software

LOCATION EXPECTATIONS: This role requires working from a U.S. Bank Location three (3) or more days per week.

NOTE: This position is not eligible for current or future visa sponsorship.

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• 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

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

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.

Posting may be closed earlier due to high volume of applicants.