Staff Risk Analyst, Fraud Program Management

Shape a brighter financial future with us.

• Together with our members, we’re changing the way people think about and interact with personal finance.• We’re a next-generation fintech company using innovative, mobile-first technology to help our millions of members• reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re• proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values• guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

The Role

• The Fraud Program is seeking a Staff Risk Analyst to lead data governance initiatives, analytics, and reporting across• the Fraud Center of Excellence (CoE). This role will serve as a key partner in developing, maintaining, and enhancing• fraud KPIs, KRIs, dashboards, and enterprise risk reporting to enable data-driven decision making and effective fraud• risk oversight.

• The Staff Risk Analyst will play a critical role in ensuring data integrity, consistency, and transparency across fraud• metrics, while delivering actionable insights into fraud performance, emerging risks, and operational effectiveness• across all products and fraud domains.

• This role will partner closely with Fraud Strategy, Operations, Risk, Data, and Business Intelligence teams to build• scalable analytics solutions, standardize metric definitions, and improve enterprise-wide visibility into fraud risk.• The ideal candidate will bring a strong technical data background, experience in risk analytics, and a passion for• building scalable data and reporting frameworks within a fast-paced fintech environment. Additionally, the• candidate will also have strong proficiency in SQL, Python, Snowflake, and Tableau. You’ll need to be a self-motivated• leader with the ability to drive cross-functional collaboration between all lines of business. IIf you love working with• data and have a passion for doing the right thing, we want to hear from you!

What you’ll do:

• Fraud Data Analytics, Insights, and Data Governance (Primary Focus)● Analyze fraud data across products and channels to identify trends, anomalies, and emerging fraud risks.● Develop data-driven insights and recommendations to support fraud strategy, operations, and risk• management decisions.● Partner with cross-functional teams to translate business problems into analytical solutions that improve• fraud detection, prevention, and member experience.● Establish and enforce data governance standards for fraud metrics- including data definitions, lineage, and• controls; and effectively leading a strategic data governance council cross-functionally.● Identify and resolve data quality, consistency, and availability issues impacting fraud reporting and• analytics.● Partner with Data Engineering and BI teams to ensure reliable, scalable, and well-documented data• sources.• KPI / KRI Framework & Performance Monitoring● Support the design, development, and ongoing enhancement of Fraud KPIs, KRIs, and Risk Appetite

Statement (RAS) metrics across the Fraud CoE.

● Ensure consistent metric definitions, calculations, and reporting methodologies across business units.● Monitor metric performance and provide insights into drivers of variance, trends, and risk signals.• Dashboarding & Reporting● Assist in designing, building, and maintaining Tableau dashboards and automated reporting solutions to• provide real-time visibility into fraud performance.● Deliver executive-level reporting and visualizations for fraud governance committees and leadership.● Improve reporting efficiency through automation and scalable data pipelines (e.g., Snowflake), where• needed, in partnership with our risk analytics and data teams• Fraud Risk Management & Assessment Support● Support Fraud Risk Self-Assessments (FRSA) and other risk evaluation activities through data analysis and• metric development.● Assist in identifying key risk drivers and areas of elevated fraud exposure across products and processes.● Provide analytical support for audit, regulatory, and risk management requests.• Cross-Functional Collaboration & Program Support● Collaborate with Fraud Strategy, Operations, and Program teams to align data, metrics, and reporting with• business needs.● Support broader Fraud Program initiatives and analytics projects as needed, including strategy• performance analysis and operational insights.

What you’ll need:

● 4+ years of experience in data analytics, fraud analytics, or risk analytics within financial services, fintech, or• banking.● Strong experience working with large datasets and relational databases.● Advanced proficiency in SQL and experience with Snowflake or similar data platforms.● Experience building dashboards and data visualizations (Tableau preferred).● Strong understanding of KPI/KRI frameworks, performance metrics, and risk monitoring concepts.● Experience with data governance, data quality management, or metric standardization.● Strong analytical and problem-solving skills with the ability to translate complex data into actionable• insights.● Excellent communication skills, with the ability to present findings to both technical and non-technical• stakeholders.● Ability to work cross-functionally and manage multiple priorities in a fast-paced environment.● Proficient in other programming and data analysis tools such as Python, R, or SAS.

Nice to Have:● Advanced degree in Data Science or Machine Learning.● Experience in implementing or overseeing AI/ML-based models for fraud detection● Experience working in or working closely with model risk management is a plus.