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Fraud Operations Analyst Jobs (NOW HIRING)

Gusto, Inc.

Fraud Operations Analyst

Denver, CO · On-site

$85.11K - $104.96K/yr

As a Fraud Operations Analyst, you will serve as a fraud-fighting detective, playing a key role in making Gusto the safest and most secure payroll and benefits solution. In this role, you will ...

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How much do fraud operations analyst jobs pay per hour?

As of Jun 1, 2026, the average hourly pay for fraud operations analyst in the United States is $30.68, according to ZipRecruiter salary data. Most workers in this role earn between $21.15 and $33.89 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Fraud Operations Analyst, and why are they important?

To thrive as a Fraud Operations Analyst, you need strong analytical skills, attention to detail, and a background in finance, accounting, or a related field, often supported by a bachelor’s degree. Familiarity with fraud detection tools, data analysis software, and case management systems is typically required, as well as relevant certifications like Certified Fraud Examiner (CFE). Excellent problem-solving abilities, communication, and the capacity to work under pressure are standout soft skills in this role. These skills are crucial for accurately identifying fraudulent activity, minimizing financial risk, and maintaining trust in organizational operations.

What are some common challenges faced by Fraud Operations Analysts, and how can applicants prepare for them?

Fraud Operations Analysts often encounter the challenge of distinguishing between legitimate and suspicious transactions in real time, which requires strong analytical skills and attention to detail. They may also need to manage a high volume of alerts while meeting strict deadlines, making time management and prioritization essential. To prepare, applicants should familiarize themselves with current fraud trends, practice using analytical tools, and develop clear communication skills, as the role frequently involves collaborating with other departments such as compliance and customer service.

What does a Fraud Operations Analyst do?

A Fraud Operations Analyst is responsible for detecting, investigating, and preventing fraudulent activities within an organization, often in banking or financial services. They monitor transactions, analyze suspicious patterns, and use specialized software to identify potential fraud. Their role also includes reporting findings, collaborating with other departments, and sometimes working with law enforcement to resolve cases. By proactively addressing fraud risks, they help protect the company and its customers from financial losses.

What is the difference between Fraud Operations Analyst vs Fraud Investigator?

AspectFraud Operations AnalystFraud Investigator
CredentialsTypically requires a bachelor’s degree in finance, criminal justice, or related field; certifications like CFE or ACFE are commonSimilar credentials; often holds certifications like CFE or ACFE
Work EnvironmentAnalyzes data, monitors fraud patterns, and implements prevention strategies in a corporate settingConducts investigations, interviews, and gathers evidence, often in a law enforcement or corporate environment
Employer & IndustryFinancial institutions, e-commerce, and retail companiesFinancial institutions, law enforcement agencies, and corporate security teams

While both roles focus on combating fraud, the Fraud Operations Analyst primarily monitors and analyzes fraud data to prevent future incidents, whereas the Fraud Investigator actively investigates specific fraud cases and gathers evidence for potential legal action.

More about Fraud Operations Analyst jobs
What cities are hiring for Fraud Operations Analyst jobs? Cities with the most Fraud Operations Analyst job openings:
What states have the most Fraud Operations Analyst jobs? States with the most job openings for Fraud Operations Analyst jobs include:
What job categories do people searching Fraud Operations Analyst jobs look for? The top searched job categories for Fraud Operations Analyst jobs are:
Fraud Operations Analyst jobs near you
Infographic showing various Fraud Operations Analyst job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $63,822 per year, or $30.7 per hour.
Senior Fraud Operations Analyst

Senior Fraud Operations Analyst

Mountain America Credit Union

Sandy, UT • On-site

Full-time

Posted 24 days ago

Mountain America Credit Union rating

8.0

Company rating: 8.0 out of 10

Based on 48 frontline employees who took The Breakroom Quiz

75th of 138 rated financial services

Job description

Please reference the schedule and minimum qualifications listed below before applying.
If you need assistance with filling out our application form or during any phase of the application, interview, or employment process, please notify our Human Resources Team at 801-366-6947 option 1 or email macurecruiting@macu.com and every reasonable effort will be made to accommodate your needs in a timely manner.
Job Summary
The Senior Fraud Operations Analyst monitors and responds to increasingly sophisticated suspicious activities across diverse transaction channels to safeguard member assets and uphold trust. The Analyst plays a critical role in safeguarding member assets by leading complex fraud investigations and driving strategic fraud prevention initiatives. This senior-level position involves analyzing high-risk referrals, adjusting account restrictions, conducting member outreach, and identifying fraud patterns across digital and physical channels. Investigators collaborate with cross-functional teams-including fraud analysts, engineers, and leadership-to reduce financial losses and enhance fraud detection systems. The role requires advanced analytical capabilities, fluency in fraud technologies, and a proactive mindset to anticipate emerging threats. Investigators also mentor junior team members and contribute to training, reporting, and system optimization efforts.
Job Description
Job Description
LOCATION
Mountain America Center - Hybrid
9800 S Monroe St
Sandy, UT 84070
SCHEDULE
Full Time; this is a hybrid schedule- in office expectation will be based on business need.
To be effective, an individual must be able to perform each job duty successfully.
  • Utilize advanced fraud detection platforms-including AI-driven alert systems and behavioral analytics-to identify and investigate complex suspicious activities across digital and physical channels.
  • Analyze high-risk alerts and escalate cases involving potential fraud, account takeover, or synthetic identity threats.
  • Take decisive action in real-time to secure compromised accounts, prevent financial loss, and minimize disruption to legitimate member activity.
  • Thoroughly review affected accounts and adjust restrictions as needed based on review of alert activity.
  • Initiate outbound calls to members to determine fraud involvement, assess impact, and guide recovery efforts with empathy and professionalism.
  • Analyze fraud patterns, behavioral anomalies, and transaction trends to identify vulnerabilities and recommend rule enhancements.
  • Advocate for new fraud detection rules or system adjustments to close prevention gaps and improve alert accuracy.
  • Collaborate with fraud data analysts, engineers, and management to resolve financial loss cases and strengthen fraud infrastructure.
  • Collaborate with internal fraud strategy, cybersecurity, and data analytics teams to refine detection models and response protocols.
  • Partner with account investigators on complex or multi-channel fraud cases, including synthetic identity, mule activity, and account takeovers.
  • Represent the Alert Team in cross-functional meetings, sharing insights on fraud trends, system performance, and member impact.
  • Deliver onboarding and ongoing training to new hires and junior specialists, emphasizing fraud trends, system usage, and member empathy.
  • Document fraud incidents, resolution outcomes, and member impact in detailed reports for internal review and regulatory compliance.
  • Pull and interpret data from fraud platforms, biometric risk systems, and internal databases to support investigations and strategic planning.
  • Create detailed reports for leadership that highlight fraud exposures, operational risks, and opportunities for improvement.
  • Act as a junior data analyst by contributing to fraud model tuning, alert logic refinement, and predictive risk scoring.
  • Identify and communicate fraud trends, emerging attack vectors, and system vulnerabilities to data analysts and leadership.
  • Mentor Fraud Operations Analysts, as well as peers in Intake, Recovery, and Investigations teams, fostering a culture of excellence and continuous learning.
  • Serve as a point of escalation for member calls requiring advanced support or managerial intervention.
  • Lead training initiatives for support teams and branches, enhancing fraud awareness and updating internal knowledge resources.
  • Maintain expert-level knowledge of fraud detection systems, biometric risk tools, and digital identity verification technologies.
  • Advocate for system improvements and participate in vendor evaluations or pilot programs for new fraud tools.
  • Promptly log complaints and submit Suspicious Activity Reports (SARs) in accordance with regulatory requirements.
  • Ensure full compliance with applicable laws and regulations, including the Bank Secrecy Act, OFAC, FACT Act, GLBA, Regulation CC, Regulation DD, Regulation Z, Regulation E, and others relevant to fraud operations.
  • Uphold Mountain America's mission, vision, and values by delivering exceptional service and proactive fraud resolution to protect members' financial well-being.
  • Perform other duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES
The requirements listed are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions.
Experience
  • 3+ years of experience in fraud investigation, fraud analytics, or financial crime prevention.
  • 2+ years of progressive responsibilities within a financial institution or fintech environment.
  • Experience in customer service, especially in sensitive or high-impact situations. Able to be a point of escalation for members.
  • Experience with biometric risk systems, behavioral analytics, and fraud case management platforms.

Education
Associate's degree or equivalent and related work experience considered.
Licenses, Certificates, Registrations, Trainings
Ongoing training in fraud trends, digital security, and regulatory compliance encouraged.
Computer/Office Equipment Skills
  • Proficient in Windows OS, internet browsers, email platforms, and intermediate-level Microsoft Word and Excel.
  • Skilled in investigation case management software and fraud detection platforms.
  • Familiarity with SQL and able to write queries is a plus.

Managerial Responsibility
  • May assign work and supervise efforts of a small team; majority of work is performed independently.
  • Expected to lead by example and influence team performance through mentorship and collaboration.

Language Skills
  • Ability to read and interpret technical documents, regulatory guidelines, and procedural manuals.
  • Strong written and verbal communication skills for reporting, member interaction, and cross-functional collaboration.
  • Ability to present findings and recommendations to leadership and technical teams.

Other Skills and Abilities
  • High emotional intelligence and member empathy.
  • Advanced analytical and critical thinking skills.
  • Ability to adapt quickly to evolving fraud tactics and system changes.
  • Tact, diplomacy, and discretion in handling sensitive member information.
  • Strategic mindset with a focus on continuous improvement and innovation.

PHYSICAL ABILITIES / WORKING CONDITIONS
Physical Demands
Must be able to use hands to handle/feel occasionally.
Ability to stand, walk, sit, talk, and hear consistently.
Vision Requirements
Close vision (clear vision at 20 inches or less).
Distance vision (clear vision at 20 feet or more).
Color vision (ability to identify and distinguish colors).
Weight Lifted or Force Exerted
Frequently lifts up to 10 pounds, occasionally lifts up to 25 pounds.
Environmental
Typical office environment with no unusual factors.
Noise Environment
Moderate noise (business office with computers and printers, light traffic).
Mountain America Credit Union is an EEO/AA/ADA/Veterans employer.

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