Remote Debit Card Fraud Analyst Jobs in Michigan

Job Type:
Full time
Exempt/Non Exempt:
Salary
Job Description:
Location Details:
Remote
Position Schedule / Shift:
Monday - Friday, 8am - 5pm
Position Summary:
Applicants for this position are required to be eligible to lawfully work in the U.S. immediately. Employer will not sponsor applicants for U.S. work authorization (example: H-1B visa) for this role.
Provides guidance and direction to a project team of individuals responsible for the review of highly complex insurance product, underwriting and related practices that measure product performance, underwriting practices, quality controls and monitor the activities of underwriting vendors to ensure adherence to corporate standards for a particular line of business and ability to achieve optimal results from a profitability standpoint. Make recommendations to increase profitability. Ensures the timely and accurate completion of assigned individual and team tasks. Develops scope and identify next steps for assigned projects. Works with Management to develop reporting and analytics. Works with the team to identify opportunities to streamline workflow and processes utilizing GCP, Excel and their knowledge of how data flows. Collaborates with field management and the team to build and enhance dashboards. Must understand the data structure and data availability in order to advise on capabilities.
Summarizes findings at an agent level and presents findings to management. Analyzes cost/benefit across Product features & Underwriting Practices to ensure or increase optimization of profitability. Participates in meetings with agents & managers to share results. Works in conjunction with Internal Audit on confidential and/or special projects and employee investigations. Conducts analyses to identify underlying trends and improvement opportunities and provides results and recommendations to management. Develops policies and procedures relative to the audit process as indicated. Reviews Underwriting reporting budget and analyzes cost-benefit. Builds trials to evaluates opportunities for new vendor solutions to assess cost/benefit and potential to increase optimization across Product & Underwriting. May collaborate directly with vendors. Performs special projects as requested and may provide guidance & direction for others working on the project.
Supervisory Responsibilities:
None
Qualifications:
Required
Education:

• Bachelor's degree in Business Administration, Insurance, technology, or a related field

Experience:

• Conducting comprehensive internal quality audits and documenting findings
• Building consensus between managers of multiple areas
• Researching company procedures and guidelines as well as industry best practices
• Analyzing an operation, evaluate audit findings, develop opinions/conclusions and conduct closing meetings
• Analyze data to determine potential problems, identify missing information, etc.
• Analyzing problems to identify causes
• Applying advanced auditing tools and techniques
• Identifying trends and assess potential impact
• Working effectively under pressure
• Assessing fraud potential and make appropriate referrals for investigation
• Achieving stated objectives within designated timeframe
• Analysis and problem solving
• Project planning and management
• Risk assessment and root cause analysis
• Auditing/consulting/evaluating insurance processes

Knowledge and Skills:
Knowledge of:

• Insurance policy provisions and coverage terminology
• Insurance laws and regulations
• Underwriting quality standards
• Rating & Underwriting accuracy
• Quality audit techniques and/or internal control concepts
• Descriptive statistics
• Audit sampling theories
• Investigation techniques
• Negotiation techniques
• Advanced root cause analysis techniques
• Quality concepts and conventions, such as Six Sigma, Total Quality, continuous improvement concepts, Quality Function Deployment, LEAN, etc., including a level of knowledge sufficient to adapt and implement concepts into company activities and processes
• Internal controls
• Microsoft Office applications (e.g., Word, Excel, PowerPoint, and Access)
• Google Cloud Platform Dashboards

Ability to:

• Lead a project team
• Ensure accuracy of information
• Demonstrate an elevated level of objectivity, confidentiality, and professionalism
• Provide oversight to all aspects of quality and compliance review activities
• Review internal quality audit work-paper documentation and reports
• Communicate effectively with others in all levels of the organization, including conducting audit opening and closing meetings and making special presentations when requested
• Build consensus between State Product Management, Actuarial Pricing, Central Services, Field Management & Underwriting.
• Communicate effectively with others in a work environment
• Research company procedures and guidelines as well as industry best practices
• Analyze an operation, evaluate audit findings, develop opinions/conclusions, and conduct meetings
• Analyze problems to identify causes
• Apply advanced auditing tools and techniques
• Identify trends and assess potential impact
• Work effectively under pressure
• Assess fraud potential and make appropriate referrals for investigation
• Achieve stated objectives within designated timeframe
• Organization and planning
• Excellent oral and written communication skills to include report preparation and presentation of major findings

Preferred

• Advanced degree
• Insurance related coursework obtained from the Insurance Institute of America (IIA) or other similar source

Experience in:

• Project management

Work Environment:
This position works from a home office location. Depending on the role, some employees may be required to come into the office, at a minimum, for important departmental meetings or team building events.
Compensation & Benefits Overview:
ACG complies with all applicable state and local laws regarding required benefits (including PTO, paid sick leave, etc.).
Compensation
Project Leader will earn a competitive salary of $85,000 - $100,000 annually with annual bonus potential based on performance.
Benefits
At ACG, we offer a comprehensive and flexible benefits package designed to support your health, financial well-being, and professional growth.
Health & Wellness

• Medical plans with multiple coverage options, including HSA eligibility
• Prescription drug coverage
• Dental and vision benefits
• Employee Assistance Program (confidential support services)

Financial Protection & Insurance

• Company-paid basic life insurance
• Optional supplemental life insurance and dependent coverage
• Short-term and long-term disability coverage
• Critical illness, accident, and pet insurance options

Retirement & Savings

• 401(k) plan to support long-term financial goals.
  
  • 3% automatic deferral upon eligibility; may contribute 1% to 50% of eligible earnings, either pre or post tax
  • Company match of 50% paid on employee contributions up to 6% of pay, payable to employees following the end of the year; immediate vesting
  • Additional company contribution of 4% of pay each pay day into your account; 100% vested after three (3) years of service

• Health Savings Account (HSA) and Flexible Spending Accounts (FSA) options

Time Off & Leave

• Paid Time Off (PTO): Accrual-based, increases with tenure, eligible at 90 days of employment

• Full-time new employees will receive up to 12 PTO days annually; accrual based on start date and may include additional PTO based on role and/or state & local requirements
• Part-time employee PTO hours are calculated based upon the standard weekly hours the employee is scheduled to work and will accrue at a minimum of 3 hours per month

• Paid Holidays:
• Full-time employees are eligible for 10 company-paid holidays annually, in addition to 1 mental health day, 2 floating holidays and 1 volunteer day. Holidays vary by business unit schedules
• Part-time employees are eligible for 8 company-paid holidays annually, in addition to 1 mental health day and 2 floating holidays. Holidays vary by business unit schedules
• Paid leave programs, including parental, bereavement, jury duty, and military leave

Career Growth & Education

• Tuition assistance (up to $5,250 annually; 80% covered by ACG)
• Professional certification support with 100% reimbursement for eligible programs
• Opportunities for career development and advancement

Additional Perks

• Complimentary AAA membership with roadside assistance and travel discounts
• Adoption assistance program

This position is expected to remain posted through July 30, 2026; however, it may close at any time once a qualified candidate pool is identified.
Who We Are
Become a part of something bigger.
The Auto Club Group (ACG) provides membership, travel, insurance, and financial service offerings to approximately 14+ million members and customers across 14 states and 2 U.S. territories through AAA, Meemic, and Fremont brands. ACG belongs to the national AAA federation and is the second largest AAA club in North America.
By continuing to invest in more advanced technology, pursuing innovative products, and hiring a highly skilled workforce, AAA continues to build upon its heritage of providing quality service and helping our members enjoy life's journey through insurance, travel, financial services, and roadside assistance.
And when you join our team, one of the first things you'll notice is that same, whole-hearted, enthusiastic advocacy for each other.
We have positions available for every walk of life! AAA prides itself on creating an inclusive and welcoming environment of diverse backgrounds, experiences, and viewpoints, realizing our differences make us stronger.
To learn more about AAA The Auto Club Group visit www.aaa.com
Important Note:
ACG's Compensation philosophy is to provide a market-competitive structure of fair, equitable and performance-based pay to attract and retain excellent talent that will enable ACG to meet its short and long-term goals. ACG utilizes a geographic pay differential as part of the base salary compensation program. Pay ranges outlined in this posting are based on the various ranges within the geographic areas which ACG operates. Salary at time of offer is determined based on these and other factors as associated with the job and job level.
The above statements describe the principal and essential functions, but not all functions that may be inherent in the job. This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodations will be made for otherwise qualified applicants, as needed, to enable them to fulfill these requirements.
The Auto Club Group, and all its affiliated companies, is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, gender identity, sexual orientation, national origin, disability or protected veteran status.
Regular and reliable attendance is essential for the function of this job.
AAA The Auto Club Group is committed to providing a safe workplace. Every applicant offered employment within The Auto Club Group will be required to consent to a background and drug screen based on the requirements of the position.