Rocket Money - Senior Analyst, Fraud and AML

• Triage and work the queues 🛡️ • Triage incoming fraud and AML alerts quickly and accurately, separating real risk from noise and prioritizing by member impact and potential loss • Own the day-to-day health of our alert and case queues: timeliness, quality, and clear, well-documented dispositions • Work alerts and cases across fraud and AML, including account takeover, first-party and ACH abuse, money mule activity, and business use of consumer accounts • Track turnaround targets (SLAs) and run quality checks on case decisions, so decisions stay consistent, timely, and defensible • Investigate and escalate 🕵️ • Investigate and escalate • Investigate complex, multi-account cases from first signal to a documented, defensible decision • Prepare SAR referrals and supporting case documentation, meeting our bank partner timelines • Escalate to and coordinate with bank and brokerage partners when a case requires it, and serve as backup to the Senior Manager on partner escalations • Support incident response by helping trace root cause and documenting what changed and why • Measure and improve controls 📊 • Review how our rules and controls perform: alert precision, time to decision, false positives, and loss outcomes • Turn patterns you see in cases into specific tuning proposals, and follow remediation through to completion • Flag emerging fraud and AML patterns early, before they become losses or compliance findings • Feed disposition and data quality findings back into our rules, routing, and the vendor tools we rely on • Support the AML program 🧭 • Support day-to-day Bank Secrecy Act (BSA) and AML compliance, including case documentation, training, and testing evidence • Help the Senior Manager prepare for independent testing and bank partner audits by keeping records complete, consistent, and easy to retrieve • Contribute to procedures and incident write-ups that are clear, concise, and practical • Partner across the business 🤝 • Work with product, engineering, operations, and data colleagues to improve controls and align on shared metrics and definitions • Explain findings and trade-offs between loss prevention and member experience in plain language • WHAT SUCCESS LOOKS LIKE 💫 • You understand our products, members, partners, and fraud and AML workflows • You own the alert and case queues and keep them moving within SLA • You’re triaging with confidence, working investigations independently, and preparing SAR referrals with little rework • You’ve put forward your first tuning and process improvement recommendations • Within your first year: • Queue health, quality checks, and SLA reporting are consistent and trusted by leadership • Your tuning and remediation work has measurably improved alert quality and reduced manual effort • Case files are audit-ready and have held up in partner and independent reviews • You’re a go-to expert on how we triage, investigate, and respond to fraud and money laundering • 4+ years of experience in fraud operations with AML compliance for deposit and/or brokerage products (ideally both) at a fintech • Hands-on experience in fraud triage — you can quickly assess an alert, separate real risk from noise, prioritize what matters most, and make clear, well-documented decisions under time pressure • Strong analytical skills — you spot patterns in data and back your decisions with evidence, not just intuition • Exceptional communicator — both written and verbal communication, including case documentation that stands up to audit • A collaborative, curious mindset, and energy for working in a fast-moving environment where our program is evolving