Fraud Analyst II

STRIDE BANK NA•Tulsa, OK

39d

About The Position

The Fraud Analyst II is responsible for conducting complex fraud investigations, mitigating financial losses, and identifying emerging fraud trends. This position operates autonomy and serves as a subject matter resource within the fraud team. The Fraud Analyst II plays a key role in strengthening fraud controls, improving detection strategies, and balancing risk mitigation with customer experience. PRINCIPAL DUTIES AND RESPONSIBILITIES Investigates high-risk and complex fraud cases, including account takeover, business email compromise, wire fraud, check fraud, elder financial exploitation, and synthetic identity activity. Conducts in-depth transaction analysis across multiple accounts and channels. Identifies connections between related accounts or suspicious patterns. Makes independent decisions regarding account restrictions, closures, and loss mitigation strategies. Prepares detailed case documentation suitable for potential law enforcement referral. Proactively acts to minimize losses and reduce ongoing exposure. Coordinates with branches, operations and digital banking teams, and third-parties on fraud-related matters. Assists with chargeback disputes and recovery efforts. Supports restitution or recovery tracking as applicable. Identifies fraud trends, systemic vulernabilities, and control gaps. Provides recommendations to improve fraud detection rules, thresholds, and workflows. Participates in testing and implementation of new fraud tools or system enhancements. Assists in updating fraud procedures and playbooks. Serves as a point of escalation for lower-level team members. Provides guidance on investigative approaches and documentation standards. Supports internal audit and examination requests related to fraud cases. Collaborates with compliance and risk teams when cases overlap with broader risk concerns. Communicates professionally with members experiencing fraud-related issues. Provides clear explanations of next steps, timelines, and preventative measures. Supports fraud awareness initiatives across the organization. Performs other duties as assigned.

Requirements

Associates or Bachelor’s degree, or combination of equivalent education and work experience, required.
3-5 years of fraud investigation experience within a financial institution, required.
Demonstrated experience handling complex fraud cases, required.
Working knowledge of card networks, ACH rules, wire processes, and digital banking fraud risks, required.
Strong analytical and conceptual thinking skills, with the ability to independently solve problems and make decisions using data.
Ability to organize thoughts and express ideas clearly.
Strong knowledge of regulatory environment(s) and emerging BSA/AML and fraud trends.
Strong investigative, written and oral communication skills.
Strong commitment to ethics, and the ability to understand a variety of issues and perspectives.
Understanding of the banking industry, including bank partnerships with fintech companies.
Multitask effectively and action matters promptly both independently and in a team environment.
Handle highly confidential information with appropriate discretion and work in a high volume, fast paced environment.

Nice To Haves

Professional certifications such as CFE (Certified Fraud Examiner), a plus.

Responsibilities

Investigates high-risk and complex fraud cases, including account takeover, business email compromise, wire fraud, check fraud, elder financial exploitation, and synthetic identity activity.
Conducts in-depth transaction analysis across multiple accounts and channels.
Identifies connections between related accounts or suspicious patterns.
Makes independent decisions regarding account restrictions, closures, and loss mitigation strategies.
Prepares detailed case documentation suitable for potential law enforcement referral.
Proactively acts to minimize losses and reduce ongoing exposure.
Coordinates with branches, operations and digital banking teams, and third-parties on fraud-related matters.
Assists with chargeback disputes and recovery efforts.
Supports restitution or recovery tracking as applicable.
Identifies fraud trends, systemic vulernabilities, and control gaps.
Provides recommendations to improve fraud detection rules, thresholds, and workflows.
Participates in testing and implementation of new fraud tools or system enhancements.
Assists in updating fraud procedures and playbooks.
Serves as a point of escalation for lower-level team members.
Provides guidance on investigative approaches and documentation standards.
Supports internal audit and examination requests related to fraud cases.
Collaborates with compliance and risk teams when cases overlap with broader risk concerns.
Communicates professionally with members experiencing fraud-related issues.
Provides clear explanations of next steps, timelines, and preventative measures.
Supports fraud awareness initiatives across the organization.
Performs other duties as assigned.