Fraud Analyst

Till Financial•Brooklyn, NY

7h•Remote

About The Position

Till is a banking platform built for families, offering debit cards, accounts, and tools to help parents raise financially capable kids. Recently acquired by Western & Southern Financial Group, a Fortune 500 company, Till operates with the resources of a large corporation while maintaining a lean, focused fintech environment. The company excels at building a unique banking platform for families, addressing the complexities of blended households, multiple guardians, and teens maturing into young adults, all within regulatory guidelines for minors. This role offers a chance to join a mission-driven fintech at a pivotal stage, with significant ownership and impact from day one.

Requirements

4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations.
Working knowledge of BSA/AML fundamentals (SARs, UARs, OFAC, CIP/CDD) and an interest in deepening that expertise.
Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining reasoning in writing.
Clear written communication skills for case narratives, escalation memos, and process documentation.
High attention to detail and the judgment to flag ambiguous cases for escalation.
Comfort operating in a fast-paced, evolving environment.
Bachelor's degree required.
Authorized to work in the United States.
Till Financial is not able to sponsor employment visas (e.g., H-1B) at this time.

Nice To Haves

Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling.
Familiarity with sponsor-bank-model fintech operations (BaaS).
Experience drafting SARs or UARs.
Experience reviewing identity documentation for authenticity.
SQL or basic data tooling familiarity (Metabase or comparable).
ACAMS, CFE, or in-progress certification.

Responsibilities

Own fraud detection throughout the customer lifecycle, including transaction monitoring and suspicious activity investigation.
Investigate fraud alerts generated by internal rules engines and third-party tools.
Escalate and report suspicious activity, maintaining audit-ready case records.
Perform OFAC screening at onboarding and continuously.
Track fraud trends and propose rule-tuning to reduce false positives while maintaining detection effectiveness.
Identify gaps in the fraud detection program and propose process improvements.
Coordinate with Customer Service on account holds, dispute resolutions, and Reg E timelines.
Partner with Product and Engineering on customer-facing fraud controls and identify fraud risks early in the product development cycle.
Support BSA/AML audits, regulatory exams, and internal testing.
Provide cross-coverage on identity verification and KYC reviews, Plaid name-mismatch reviews, and watchlist administration as needed.
Prepare recurring fraud metrics and loss reporting for leadership.