Commercial Card & Prepaid Card Fraud Strategy Associate

JPMorganChase•Tampa, FL

About The Position

Join the Commercial Card & Prepaid Card Fraud Strategy Team to develop and optimize fraud strategies that protect the firm and its clients while supporting an exceptional client experience. The Associate analyzes complex data, identifies emerging fraud trends, and develops fraud detection strategies across Commercial Card and Prepaid Card portfolios. The role uses data and business insights to balance fraud prevention, client experience, and operational efficiency, and partners cross-functionally to implement and enhance fraud prevention strategies and capabilities. It also translates fraud trends and performance into clear, actionable insights and recommendations for internal stakeholders and external clients. This role suits an analytical problem solver who is intellectually curious, comfortable working with data, and able to communicate complex findings in a fast-paced, collaborative environment.

Requirements

Bachelor’s degree in Business, Finance, Mathematics, Computer Science, Statistics, or a related quantitative discipline, or equivalent relevant work experience.
At least 2 years of experience in fraud strategy, analytics, risk management, payments, financial services, or a related field.
Strong analytical and problem-solving skills, including the ability to analyze complex data, identify trends and opportunities, and translate findings into actionable business recommendations.
Experience using analytical tools and programming languages such as SQL, Alteryx, Python, or SAS to extract, manipulate, and analyze large data sets.
Experience working with large-scale data environments such as Hadoop, Hive, Databricks, SQL Server, Oracle, or comparable platforms.
Strong business acumen, including the ability to understand business processes, evaluate risk and performance tradeoffs, and develop data-driven recommendations.
Strong written, verbal, and presentation skills, including the ability to translate complex fraud and analytical findings into clear business insights and present trends, performance, and recommendations to clients, senior management, and cross-functional stakeholders.
Strong project management, organizational, and prioritization skills, including the ability to manage multiple deliverables and execute against tight timelines.
Experience documenting business requirements, processes, data flows, testing requirements, and implementation outcomes.
Proficiency with Microsoft Office applications, particularly Excel and PowerPoint.
Ability to collaborate effectively across functions and work independently as well as part of a team.

Nice To Haves

Experience developing, analyzing, or optimizing fraud detection strategies, rules, thresholds, anomaly detection solutions, or fraud risk controls.
Knowledge of Commercial Card, Prepaid Card, and broader payment ecosystems, including card processing, networks, fraud controls, and dispute or chargeback processes.
Intellectual curiosity, a strong ownership mindset, and the ability to drive assigned work through resolution.
Experience supporting client-facing engagements, including presenting fraud trends, performance insights, and risk mitigation recommendations to clients or senior stakeholders.
Experience with card processing, network, authentication, or fraud decisioning platforms such as TSYS, VCAS, Fiserv, MPTS, or comparable solutions.
Experience with business intelligence and data visualization platforms such as Tableau or Qlik.
Familiarity with machine learning concepts and the application of advanced analytics to fraud detection and performance optimization.
Strong organizational and prioritization skills with demonstrated attention to detail.
Collaborative and adaptable team player able to operate effectively in a fast-paced, matrixed organization.

Responsibilities

Analyze large and complex data sets to identify emerging fraud trends, underlying risk dynamics, performance gaps, and opportunities to strengthen fraud prevention; translate findings into client- and stakeholder-ready insights and recommendations.
Develop, optimize, and monitor fraud detection strategies, including rules, thresholds, policies, and operational flows, to mitigate fraud risk while balancing client experience and operational efficiency.
Evaluate strategy, rule, and control effectiveness using key fraud and operational performance metrics, and translate findings into actionable recommendations.
Identify key risk indicators and performance metrics, enhance reporting and analytics, and explore new data and analytical approaches to improve fraud detection.
Develop and present fraud performance insights, emerging trends, control effectiveness, and recommendations to internal stakeholders and external clients, tailoring clear business narratives to the audience.
Collaborate with cross-functional partners to design, implement, test, and enhance fraud prevention capabilities and monitoring coverage.
Support end-to-end strategy implementation, including business requirements, testing, release readiness, performance monitoring, and post-implementation validation.
Conduct root-cause and performance analysis to identify opportunities for process optimization, control enhancements, automation, and improved client outcomes.
Support development and enhancement of fraud pattern, anomaly detection, and transaction behavior analytics capabilities.
Document business requirements, processes, data flows, issues, risks, and control gaps; partner with stakeholders to develop and implement appropriate solutions.
Develop user acceptance testing plans and test cases, coordinate and execute testing, and assess and communicate results to support implementation signoff.
Manage assigned deliverables with limited direction, communicate progress, dependencies, risks, and issues, and escalate as appropriate.