Senior Risk Analyst, Fraud Program Management

Employee Applicant Privacy Notice Who we are: 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 financial services company and national bank 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 We are seeking a Senior ing functions within the First Line of Defense. This role will primarily focus on monitoring and analyzing Fraud Key Risk Indicators (KRIs), Risk Appetite Statement (RAS) metrics, Strategy and Rule monitoring oversight, governance documentation, and other enterprise fraud performance metrics to ensure the Fraud Program operates within defined risk tolerances and governance expectations. The Senior Risk Analyst will play a critical role in governance control, analyzing fraud performance trends, identifying emerging risk signals, supporting escalation of metric breaches, and delivering data-driven insights to senior leadership and enterprise risk committees. This position will also support audit, regulatory examination, and fraud risk assessment activities, helping ensure the Fraud Program maintains strong governance, transparency, and regulatory alignment. While the primary focus of this role is fraud risk analytics and performance monitoring, the Senior Analyst will also assist the broader Fraud Program team in supporting program governance, documentation, strategy oversight, and cross-functional coordination across the Fraud ecosystem. The ideal candidate will bring strong analytical capabilities, experience with risk assessment frameworks or audit processes, a deep understanding of fraud risk management within a banking or fintech environment, and the ability to drive cross-functional collaboration between all lines of business. What you’ll do: Fraud Risk Metrics Monitoring Performance Analytics (Primary Focus) Monitor and analyze Fraud Key Risk Indicators (KRIs), Risk Appetite Statement (RAS) metrics, and other enterprise fraud performance indicators across products and business lines. ● Identify performance trends, emerging risks, and early warning signals across fraud domains including account takeover, transaction fraud, disputes, and fraud operations performance. Support the escalation and investigation of metric breaches, working with cross-functional teams to determine root causes and corrective actions. Produce regular risk reporting and executive summaries for fraud governance committees and leadership forums. Develop and maintain data-driven insights and dashboards to improve transparency into fraud risk performance across the enterprise. Fraud Risk Governance Oversight Assist with maintaining and enhancing the Fraud Program’s KRI and KPI framework, ensuring alignment with enterprise risk management and regulatory expectations. Support ongoing metric validation, threshold monitoring, and governance processes to ensure fraud metrics remain accurate, stable, and meaningful. Partner with Fraud Strategy, Operations, Data, and Risk teams to ensure consistent measurement and interpretation of fraud risk performance across products. Risk Assessment, Audit Regulatory Support Assist in the execution of Fraud Risk Self-Assessments (FRSAs) and other targeted risk evaluations across fraud domains through data analytic needs. Support the tracking and remediation of fraud-related issues identified through audit, risk assessments, regulatory reviews, or control testing. Coordinate with Fraud Program Lead to support regulatory exam responses and documentation requests. Fraud Program Governance Documentation (Suppo ... (truncated, view full listing at source)