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Retail Delivery Fraud & Risk Analyst at Associated Bank

Posted in General Business 10 days ago.

This job brought to you by eQuest

Type: Full-Time
Location: Stevens Point, Wisconsin

Job Description:

Associated Bank is an equal opportunity employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, among other factors. Applicants with a disability who need assistance applying for a position with Associated Bank are asked to email:

Job Summary
Under the direction of the Fraud and Risk Manager, assist in the collection and analysis of transaction authorizations. As the primary user and subject matter expert of FDR's Spend Trend Insights analytics tool, provide detailed analysis of fraud trends to identify and mitigate risk and financial losses from compromises of customer information through proactive analysis. Work with debit card authorization and fraud management and debit card portfolio and authorization analytics database systems to provide management reporting. Assist the Fraud and Risk Manager in recommending, implementing and analyzing changes to the debit card portfolio authorization and fraud management system. Must be able to analyze data, communicate effectively, prepare and process all pertinent documentation to resolve fraud issues and manage risks and losses from customers' accounts. Expected to take appropriate action based on account and transaction characteristics on routine issues and has decision making ability, which directly affects the risk to the bank. Research, analyze and make recommendations to management on appropriate protection of compromised debit cards.

Job Accountabilities

  • Subject matter expert for the debit card portfolio and authorization analytics database system. Build and generate customer reporting from the debit card portfolio and authorization analytics database and the debit card authorization and fraud management system.

  • Make proactive risk mitigation recommendations based on investigation and analysis and in response to customer/business partner inquiries. Test and implement changes to the debit card authorization and fraud management system to limit fraudulent transactions while providing quality customer service levels related to authorization activity.

  • Analyze and evaluate fraud system data integrity and make recommendations for enhancements.

  • Provide direct support of Associated card portfolio risk management programs from a risk consulting perspective.

  • Participate in both long-term and short-term projects related to current and future risk management programs ensuring Associated Bank estimated fraud losses are minimized and that rule performance is optimized.

  • Develop and create ongoing reporting related to all loss prevention and fraud activities.

  • Assist management with process improvement efforts and recommend changes to risk management policies and procedures to ensure compliance with regulatory and client based requirements.

  • Participate in industry groups (i.e. FDR, MasterCard, Visa, Fair Isaac) that focus on fraud trends and prevention strategies and use that information to better our fraud prevention tactics and search for fraud within our portfolio.

  • Assist in the card reissue process in the case of a card compromise and provide updates to the Retail Risk Committee through the Incident Management procedures.

  • Work with information security and processors to identify common points of compromise in fraud cases and implement appropriate processes to prevent future losses.



  • Associate's Degree or equivalent combination of education and experience Finance or business related field, or equivalent experience in the EFT industry Required

  • Less than 2 years Experience with Retail Payment products, policies and procedures Required


Compliance Statement
Fully complies with all applicable enterprise policies and procedures. Acts in compliance with all applicable laws and regulations as outlined in training materials, including but not limited to Bank Secrecy Act. Responsible for reporting suspicious activity to Financial Intelligence. Responsible to report all customer complaints as prescribed and procedure violations to management or HR. Responsible to report ethical concerns as needed to Associated’s anonymous Ethics Hotline.

Associated Bank is committed to working diligently with any colleague who needs an accommodation perform the essential functions of the job. Please contact the Leaves & Accommodations office to request an accommodation.