Fraud Risk Management & Operations (FRMO) Analyst I

The posting, as Pathward, N.A. wrote it

We are a hybrid, remote-office company dedicated to growing our talent anywhere!

We have onsite locations in: Sioux Falls, SD, Phoenix, AZ, Louisville, KY, Troy, MI, Franklin, TN, Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™. We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all. We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well-positioned for success. We celebrate, and embrace, our team members through our *HUMBLE*HUNGRY*SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role

Responsible for the first-line (Level 1) review, triage, and disposition of fraud alerts and monitoring reports, as well as the investigation and disposition of fraud cases, to detect, prevent, and escalate fraudulent and unusual activity involving Pathward accounts, cards, and services, in accordance with the Enterprise Fraud Risk Management Program and applicable procedures. Analyzes customer and transactional activity across multiple monitoring populations, product types, and fraud typologies; conducts end-to-end case investigations; executes card actions to mitigate loss; and documents findings to a standard sufficient for regulatory, audit, and quality-assurance review. Performs the full range of Case Analyst investigative duties with the exception of Suspicious Activity Report (SAR) and Currency Transaction Report (CTR) filings, which are referred to and completed by BSA/AML Operations. Refers potentially suspicious activity for SAR consideration and escalates matters warranting specialized handling.

What You Will Do

• Reviews and triages fraud alerts and monitoring reports across assigned populations (e.g., Velocity Foreign Non-Travel (VFNT), ACH Monitoring, Visa/MasterCard authorizations (VRM/FRM), Potential Fraud (Pfraud), CAMS, Multiple Address/Phone/SSN, Prohibited Countries, and closed-account reviews) to identify and detect unusual or potentially fraudulent activity.
• Establishes the expected activity profile for the account and product, compares observed versus expected activity, and identifies patterns consistent with known fraud typologies.
• Makes and documents a triage determination — resolve at review level, consolidate into an existing case, take immediate card action, or advance to full case investigation.
• Conducts end-to-end fraud case investigations, gathering and analyzing account, transaction, device, and relationship data across systems to confirm or rule out fraud, quantify exposure, and reach a supported d

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candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law.

Who we are

Our commitment to inclusion is woven into our DNA. We believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Please click here to learn more about our benefits and review information about our Privacy Policy, Affirmative Action Plan and other notices. Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws. For assistance completing an application, please contact a Pathward People & Culture Representative by emailing – careers@pathward.com

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Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

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