Fraud Reporting Analyst

We are a hybrid, remote‑office company dedicated to growing our talent anywhere!

We have onsite locations in Sioux Falls, SD; Scottsdale, AZ; Louisville, KY; Troy, MI; Franklin, TN; Easton, PA.

At Pathward, we take tremendous pride in our purpose to create financial inclusion for all™.

We are a financial empowerment company that works with innovators to increase financial availability, choice, and opportunity for all.

We strive to remove barriers that traditional institutions put in the way of financial access, and promote economic mobility by providing responsible, secure, high‑quality financial products.

We are a team of problem solvers and innovators who celebrate our differences and know that our unique perspectives make us stronger and well‑positioned for success.

We celebrate, and embrace, our team members through our

HUMBLE HUNGRY SMART approach, and we believe that we are strongest when we embrace the voices of our employees, customers, partners, and the communities we serve.

About the Role

Develop and program methods, processes, and systems to consolidate and analyze diverse data sets to generate insights and solutions for customer solutions and program enhancement.

Identify and interpret insights from data sources and communicate findings to management.

Within the Fraud Risk Management and Operations function, this role is specifically responsible for analyzing fraud‑related data across alerts, cases, losses, and customer activity to identify emerging fraud trends, typologies, and control gaps.

The role emphasizes fraud‑centric reporting, including the design, production, and interpretation of fraud KPIs/KRIs, to support effective fraud detection, investigation, escalation, and overall program performance.

What You Will Do

• Analyze large, complex datasets to generate insights across credit performance, fraud trends, and portfolio risk, using descriptive, predictive, and prescriptive analytics, with a primary focus on fraud detection effectiveness, loss drivers, alert‑to‑case conversion, and emerging fraud typologies.
• Support development and monitoring of fraud detection models, rules, thresholds, and segmentation strategies, ensuring alignment with evolving fraud risks and typologies.
• Design and deliver fraud and risk reporting (KPIs/KRIs) aligned to BSA/AML and enterprise risk standards, ensuring data integrity, audit traceability, and clear linkage to control effectiveness, including reporting on fraud losses, alert volumes, investigation outcomes, SAR referral indicators, and operational effectiveness metrics across the fraud lifecycle.
• Establish and maintain data governance and validation processes, including reconciliations, lineage tracking, and documentation to support audit and regulatory requirements, with a focus on fraud data accuracy, completeness, and traceability across upstream systems (e. g., transaction data, alerting platforms, and case management tools).
• Translate complex data into actionable, executive‑ready insights, while partnering cross‑functionally to implement strategies, address control gaps, and enhance overall risk and fraud program performance, including identification of fraud control weaknesses, breakdowns in alerting or investigation processes, and opportunities to improve detection, escalation, and resolution outcomes.
• Partner with Fraud Operations, Compliance (BSA/AML), Risk, Product, and Technology teams to ensure fraud reporting aligns with regulatory expectations and supports effective decision‑making, including SAR‑related considerations where applicable.
• Analyze fraud alert and case lifecycle data (intake, triage, investigation, disposition) to identify process inefficiencies, quality issues, and opportunities for automation or control enhancement.
• Other duties as assigned.
• What You Will Need
• Bachelor's degree or equivalent education and work experience.
• Up to 2+ years with bachelor's or equivalent.
• Experience in data analysis within financial services, fraud risk management, payments, or related domains preferred.
• Ability to handle large volume of data and derive actionable insights.
• Strong analytical and problem‑solving skills, combined with solid business acumen.
• Strong written and communication skills with ability to explain complex insights to a range of audiences.
• Experience in the consumer credit industry is a plus.
• Experience with fraud analytics, fraud reporting, payments data, or financial crime data strongly preferred.
• Foundational understanding of fraud typologies (e. g., account takeover, first‑party fraud, transaction fraud) and how they manifest in data.
• Experience working with fraud KPIs/KRIs, operational metrics, and regulatory or audit‑driven reporting environments is preferred.
• Familiarity with fraud detection systems, alert/case management tools, or transaction monitoring platforms is a plus.
• The ability to thrive in a fast‑paced startup environment.

The salary range reflects the minimum and maximum target for a new hire in this role.

Individual pay within the range will be determined by multiple factors which can include but are not limited to a candidate’s experience, qualifications, skills, and location.

This role is also eligible for an annual performance‑based incentive opportunity.

Pathward offers a comprehensive benefits package for eligible employees, including health insurance, 401(k) retirement benefits, life insurance, disability benefits, paid time off, and more.

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We provide equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, ethnicity, religion, sex, sexual orientation, gender identity, transgender status, pregnancy, national origin, age (age 40 and over), disability, genetic information, marital status, hair texture or hairstyle, ancestry, service in the uniformed services, protected veteran status, status as a victim of domestic violence or any other class protected by federal, state and local laws.

Applicants with disabilities may be entitled to reasonable accommodation under the terms of the Americans with Disabilities Act and certain state or local laws.

For assistance completing an application, please contact a Pathward People & Culture Representative by emailing careers@pathward. com.

Applications will be accepted for a minimum of 3 days after posting, and there is no predetermined date by which applications should be submitted.

Knowingly submitting false information will result in disqualification for consideration of future positions, termination of employment and forfeiture of other rights.

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