Fraud Risk Analyst II
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Job Description
Fraud Risk Analyst II overseeing fintech partner fraud reviews for Coastal’s Banking-as-a-Service platform. Monitoring events, compliance risks, and automation outputs.
Responsibilities:
- Support the BaaS program by providing oversight of FinTech partners, with emphasis on fraud analysis reviews
- Facilitate and communicate requests for information from FinTech partners and internal departments
- Track and follow up on incoming fraud reports, fraud events, and related communications
- Track fraud reviews and general status, and provide updates to management
- Perform daily monitoring reviews and escalate concerns to the Lead or Manager
- Review Partner Policies and Procedures to identify customer-lifecycle gaps
- Complete low- and medium-level fraud reviews for internally and externally identified events involving BaaS Partners
- Prepare and present fraud summaries, analysis, and recommendations to management
- Monitor emerging fraud trends
- Provide guidance and best practices to BaaS partners
- Maintain fraud procedural manuals, job aides, and tools
- Support AI and automation initiatives through requirements documentation, research, implementation assistance, and output monitoring
- Maintain accurate, complete, and audit-ready records in the GRC system
- Maintain knowledge of BSA, USA PATRIOT Act, OFAC, Regulation E, Truth in Savings Act, UDAAP, Truth in Lending, and Equal Credit Opportunity Act requirements
- Follow regulatory and compliance requirements
- Make recommendations to the BaaS Fraud Risk Manager
- Perform other duties as assigned
Requirements:
- Knowledge and understanding of FinTech with a strong fraud analysis and technical background
- Knowledge and understanding of GRC platform(s)
- Ability to work in a team environment
- Ability to resolve problems with minimal guidance and make general decisions for daily processing
- Ability to interface effectively with other departments and operate in a fast-paced environment with minimum supervision
- Ability to analyze data and trends to identify process improvements and operational efficiencies
- Excellent written and verbal communication skills
- Ability to manage multiple tasks/projects and deadlines simultaneously
- Attention to detail and accuracy
- Ability to effectively present information and respond to questions from management, affected departments, and BaaS Partners
- Bachelor’s Degree or equivalent related experience
- 2-4 years of bank fraud and risk experience preferred
- Must be available to work standard Pacific Time business hours (8 AM–6 PM PT with flexibility) regardless of location
- Ability to work without employment sponsorship
Benefits:
- Three competitive medical plans
- Health Savings Account (HSA) with tax advantages and employer contributions
- Flexible Spending Accounts (FSA) for healthcare and dependent care expenses
- Dental and vision insurance
- Company-paid basic life insurance and optional additional coverage
- Long-term and short-term disability coverage
- Hospital Indemnity, Accident Insurance, and Critical Illness coverage
- 401(k) retirement plan with company matching
- Paid vacation and sick leave
- 11 paid holidays annually
- Flexible personal development and continuous improvement opportunities
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