Analyst - Fraud Strategy

EXL•Jersey City, NJ

1d•Hybrid

About The Position

We are looking for 3+ years experienced Debit Card Fraud Strategy professionals. The role involves end-to-end ownership of fraud monitoring, strategy development, performance management and loss optimization across debit card transactions, with a strong focus on real-time decisioning and post-authorization fraud controls.

Requirements

3+ years of hands-on experience in Debit Card Fraud Strategy or Fraud Analytics
Strong understanding of US retail banking fraud landscape
Experience with authorization and post-authorization fraud strategies
Strong proficiency in MS Excel
Strong proficiency in SQL for large-scale data extraction
Hands-on experience with Python for analytics

Responsibilities

Design, optimize, and monitor debit card fraud strategies across: Card-present (CP) and card-not-present (CNP) transactions, ATM fraud, POS fraud, e-commerce fraud, and account takeover-linked debit activity
Develop and fine-tune rules-based and score-based strategies to balance fraud losses, false positives, and customer experience
Drive fraud loss reduction initiatives while maintaining approval and customer satisfaction KPIs
Perform root-cause analysis on fraud spikes, emerging attack patterns, and vendor performance issues
Identify emerging fraud trends such as BIN attacks, merchant breaches, synthetic identity-linked debit misuse, etc.