FIU Fraud Data Analyst (Remote)

SouthState Bank • Remote Worker, SC

20h • $87,282 - $139,425 • Remote

About The Position

The FIU Fraud Data Analyst uses data, investigative judgment, and fraud analytics to identify, investigate, and mitigate internal and external financial crime risks against the Bank. The role analyzes complex datasets, fraud alerts, customer and transaction activity, and emerging fraud trends to support timely, risk-based decisions, reduce fraud losses, strengthen controls, and meet regulatory expectations. It partners with FIU leadership, Fraud Operations, Digital Banking, Treasury Management, Information Technology, Information Security, Compliance, and other business partners to develop actionable insights, improve fraud detection strategies, and support effective reporting and escalation.

The role is subject to SouthState Bank’s BSA/AML/OFAC Compliance Program. After required training, employees are accountable for adhering to established operating procedures and internal controls. Continued non-compliance or willful violations may result in disciplinary action, up to and including termination.

Requirements

• Minimum of 5 years of fraud, financial crimes, BSA/AML, banking operations, risk management, data analytics, or related experience in a financial institution or similar regulated environment.
• Experience conducting fraud investigations, analyzing transactional activity, and identifying patterns indicative of fraud or financial crime.
• Minimum of 2 years of experience querying, analyzing, and reconciling large datasets using SQL-based databases, Snowflake, Excel, or similar tools.
• Experience creating management reports, dashboards, trend analyses, or data-supported recommendations.
• Working knowledge of SQL, Snowflake, relational databases, data extraction, data validation, and data quality concepts.
• Working knowledge of Microsoft Excel, including pivot tables, formulas, data cleaning, and analytical functions.
• In-depth knowledge of fraud typologies and associated bank fraud schemes, including online account opening, account takeover, social engineering, mule activity, mobile, digital, check, ACH, wire, debit card, and payment fraud.
• Familiarity with payment types and digital banking products, including Zelle, Bill Payments, Bank-to-Bank payments, ACH, wires, checks, debit cards, and related customer authentication controls.
• In-depth knowledge of BSA/AML regulations related to suspicious activity monitoring, escalation, and reporting.
• Strong understanding of bank operations, including navigating banking systems, interpreting teller and customer transactions, and evaluating account relationships.
• Advanced analytical, critical thinking, and problem-solving skills, including the ability to interpret complex data and identify patterns, anomalies, and trends.
• Strong investigative judgment and ability to identify fraudulent, unusual, or suspicious activity and determine when escalation is required.
• Ability to query, analyze, reconcile, and summarize large datasets accurately and efficiently.
• Ability to translate data findings into clear business recommendations, risk-based actions, and concise executive-level reporting.
• Sound judgment, discretion, and integrity when handling confidential customer, employee, investigative, and bank information.
• Ability to work independently, prioritize competing deadlines, and make timely decisions in a fast-paced, high-risk environment.
• Strong attention to detail, data quality, documentation, and audit trail requirements.
• Proficiency with Microsoft Outlook, Word, Excel, PowerPoint, and data visualization or reporting tools such as Power BI, Tableau, or similar platforms.
• Excellent oral and written communication skills, including the ability to explain technical or analytical findings to non-technical stakeholders.
• Ability to collaborate effectively with business lines, operations, technology, risk, legal, compliance, and management partners.
• Ability to read, analyze, and interpret applicable Federal and State banking regulations, internal policies, and procedures related to fraud, BSA/AML, OFAC, privacy, and information security.
• Must complete required annual compliance training, system-specific training as needed, and FIU/financial crimes training as assigned by the Chief BSA Officer.
• Must be able to function in a professional business office environment, demonstrate strong people skills, work as a team member, and commit to South State Bank’s mission and goals.

Nice To Haves

• Bachelor’s degree in Data Analytics, Data Science, Statistics, Finance, Accounting, Criminal Justice, Business, Computer Science, Information Systems, or a related field; equivalent related experience may be considered.
• Experience with fraud detection systems, case management systems, digital banking platforms, core banking systems, payment channels, or transaction monitoring tools.
• Minimum of 2 years of experience supporting fraud strategy, rule tuning, control enhancement, alert optimization, or loss mitigation initiatives.
• Knowledge of data visualization, dashboarding, or reporting tools such as Power BI, Tableau, or similar platforms.
• Familiarity with Python, R, SAS, model monitoring, statistical analysis, or machine learning concepts used in fraud detection.
• CAMS (Certified Anti-Money Laundering Specialist), CAFP (Certified AML and Fraud Professional), CFE (Certified Fraud Examiner), or a data analytics-related certification.

Responsibilities

• Evaluate fraud detection rules, monitoring logic, alert performance, false positives, and data quality issues; recommend enhancements to improve detection effectiveness and operational efficiency.
• Develop, maintain, and enhance dashboards, recurring reports, trend analyses, and ad hoc data views to identify fraud patterns, emerging typologies, control gaps, and loss exposure.
• Identify emerging fraud trends, attack patterns, mule activity, account takeover indicators, synthetic identity concerns, suspicious online account opening activity, social engineering indicators, and other financial crime risks.
• Query, extract, validate, and analyze large datasets using SQL-based databases, Snowflake, Excel, and other approved analytical tools to support fraud investigations and strategy development.
• Analyze fraud alerts, account activity, customer behavior, transaction patterns, and other data sources to identify unusual, suspicious, or potentially fraudulent activity.
• Research and analyze high-risk transactions across payment channels, including digital banking, Zelle, Bill Pay, Bank-to-Bank transfers, debit card, wires, ACH, checks, and other products as applicable.
• Communicate internal control deficiencies, data limitations, system issues, and fraud vulnerabilities identified during analytical or investigative work.
• Provide analytical support, peer guidance, training, and subject matter expertise to team members as needed.
• Take ownership of tasks and challenges encountered in the operation of the assigned position.

What This Job Offers

• Job Type: Full-time