Pathward, N.A. - Fraud Risk Management & Operations (FRMO) Analyst I

• Reviews and triages fraud alerts and monitoring reports across assigned populations (e.g., Velocity Foreign Non-Travel (VFNT), ACH Monitoring, Visa/MasterCard authorizations (VRM/FRM), Potential Fraud (Pfraud), CAMS, Multiple Address/Phone/SSN, Prohibited Countries, and closed-account reviews) to identify and detect unusual or potentially fraudulent activity. • Establishes the expected activity profile for the account and product, compares observed versus expected activity, and identifies patterns consistent with known fraud typologies. • Makes and documents a triage determination — resolve at review level, consolidate into an existing case, take immediate card action, or advance to full case investigation. • Conducts end-to-end fraud case investigations, gathering and analyzing account, transaction, device, and relationship data across systems to confirm or rule out fraud, quantify exposure, and reach a supported disposition. • Performs the full range of Case Analyst investigative duties — including case build-out, evidence gathering, narrative documentation, and case closure. • Prepares and refers SAR- and CTR-eligible activity, with supporting documentation, to BSA/AML Operations for filing consideration and completion. • Executes card actions (block, unblock, close, reissue) on Pathward Managed cards and submits Action Requests for Sponsorship cards through the established process, documenting the basis, date, and system used. • Documents all review activity, analysis, and dispositions in Actimize and applicable tracking spreadsheets, clearly and at the time the step is performed, to a standard understandable by a regulator, auditor, or QA reviewer. • Escalates SAR-eligible, immediate-attention, terrorist-financing, human-trafficking, or imminent-loss indicators same business day per the escalation procedures and prepares referral information for BSA/AML Operations. • Answers inbound and returns outbound calls related to fraud monitoring, card status, and cardholder verification, completing required after-call documentation. • Maintains service levels (SLAs), production, and quality standards for assigned workstreams in accordance with policies, procedures, and compliance requirements. • Other duties as assigned. • High School Diploma or equivalent. • Typically requires less than two years of related experience. Exposure to fraud, payments, banking operations, or customer service required. • Attention to detail and accuracy in transaction analysis and documentation. • Ability to manage a daily workload and meet same-day and SLA-driven deadlines. • Strong written and verbal communication skills. • Self-sufficient and well organized with support; comfortable working across multiple systems and monitoring reports. • Foundational understanding of fraud red flags and typologies (e.g., account takeover, first-party fraud, card-not-present fraud) preferred. • The responsibilities listed above are not all inclusive and may be changed at any time. • Salary range:  $17.25 hourly – $28 hourly • 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. Your recruiter can share more about the specific salary for your location during the hiring process. Ranges may be modified in the future.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. • Don’t have everything listed under qualifications? If you’re excited about this role but your experiences don’t match exactly to everything in the posting, we encourage you to apply anyway. You may be just the right candidate for this or other Pathward roles. Pathward is an equal employment opportunity employer and considers candidates for roles without regard to their race, sex, national origin, ethnicity, age, disability or any other category protected by law. • Don’t have everything listed under qualifications? If you’re excited about this role but your • experiences don’t match exactly to everything in the posting, we encourage you to apply • anyway. You may be just the right candidate for this or other Pathward roles. Pathward is • an equal employment opportunity employer and considers candidates for roles without regard • to their race, sex, national origin, ethnicity, age, disability or any other category protected by