The Fraud Ops Sr Analyst is a senior level positions responsible for contributing to the development of fraud management policies, processes and procedures to minimize the impact of fraud in coordination with the Operations - Services team. The overall objective of this role is to manage fraud losses by ensuring analysts make appropriate decisions using risk/reward balance methodology.
Responsibilities:
- Solve complex fraud prevention and loss control issues with significant cross-departmental and departmental impact
- Support fraud detection and monitoring activities across digital access channels, including desktop web, mobile web, and native mobile applications.
- Monitor and analyze fraud risks associated with digital banking activity, including account takeover, social engineering and scam‑related fraud, suspicious device or session behavior, and unauthorized customer profile or payment‑related changes.
- Analyze fraud risk across multi‑step digital journeys using behavioral, device, and session‑level indicators rather than isolated transactional events.
- Develop data‑supported recommendations to improve fraud detection effectiveness and reduce unnecessary customer impact.
- Conduct post‑implementation analysis to assess strategy performance and control outcomes.
- Partner with Technology and data teams to support strategy implementation, rule changes, data feed validation, and platform optimization initiatives.
- Prepare clear and accurate reporting and analytical insights for fraud risk management and governance forums.
- Highlight material risks, emerging themes, and anomalies through structured analysis and timely escalation.
- Collaborate with fraud operations, investigations, digital product teams, technology, and data partners to support effective digital fraud risk management.
- Assume informal/formal leadership role within teams, and coach and train new recruits
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
Qualifications:
- 4-7 years of relevant experience in fraud rule management and rules implementation, fraud analytics, or digital banking risk within a financial services or regulated environments
- Intermediate to senior level experience in a similar position preferred
- Strong understanding of digital banking customer journeys and online/mobile fraud typologies.
- Experience working with commercial digital fraud monitoring platforms or behavioral risk technologies e.g. Threatmetrix, BioCatch etc
- Knowledge of Machine learning, behavioral and rule‑based fraud detection approaches.
- Experience in trend analysis and alerts in early fraud detection
- Strong analytical skills with the ability to translate data insights into actionable monitoring recommendations.
- Effective written and verbal communication skills.
Education:
- Bachelor’s degree/University degree or equivalent experience
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Job Family Group:
Operations - Services
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Job Family:
Fraud Operations
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Time Type:
Full time
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Most Relevant Skills
Please see the requirements listed above.
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Other Relevant Skills
For complementary skills, please see above and/or contact the recruiter.
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