About the Opportunity

We are seeking a detail-oriented and analytical Fraud and Risk Operator to support the organization’s fraud prevention, risk assessment, transaction monitoring, and operational compliance initiatives. This role is responsible for identifying suspicious activities, investigating potential fraud, mitigating operational risks, and protecting customers and business assets through proactive monitoring and timely decision-making.

The Fraud and Risk Operator will collaborate closely with Risk Management, Compliance, Customer Support, Finance, Operations, Cybersecurity, Information Security, and Legal teams to investigate alerts, analyze transaction patterns, resolve fraud cases, and strengthen fraud prevention controls. This position plays a vital role in maintaining regulatory compliance, minimizing financial losses, and enhancing customer trust.

The ideal candidate possesses strong analytical skills, excellent attention to detail, sound judgment, and the ability to make informed decisions in a fast-paced operational environment. Success in this role requires integrity, problem-solving abilities, adaptability, and a commitment to protecting the organization from fraud and operational risk.

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Essential Duties and Responsibilities

• Monitor customer accounts, transactions, and system alerts to identify suspicious or potentially fraudulent activity.
• Investigate fraud alerts using internal systems, transaction history, and risk analysis tools.
• Review account activity to detect unusual patterns, identity theft, payment fraud, account takeover, and financial crime indicators.
• Evaluate fraud risks and make timely decisions regarding account actions and case resolution.
• Escalate complex fraud investigations to senior analysts or specialized investigation teams when necessary.
• Collaborate with Customer Support and Compliance teams to verify customer information and resolve account-related issues.
• Document investigation findings, case activities, and recommendations accurately and thoroughly.
• Monitor fraud trends and identify emerging threats or operational risks.
• Assist in improving fraud detection rules, operational procedures, and risk mitigation strategies.
• Support regulatory compliance requirements related to fraud prevention and financial crime.
• Maintain confidentiality of customer information and sensitive business data.
• Participate in quality assurance reviews and operational performance initiatives.
• Contribute to process improvement projects that enhance fraud detection efficiency and customer experience.
• Maintain accurate case records using fraud management and case management platforms.
• Stay informed about industry best practices, fraud schemes, and evolving regulatory requirements.

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Job Qualifications and Requirements

• Bachelor’s degree in Business Administration, Criminal Justice, Finance, Accounting, Information Security, Risk Management, or a related discipline preferred.
• Minimum 2 years of experience in Fraud Operations, Risk Management, Financial Crime, Banking Operations, Compliance, or Customer Support.
• Experience reviewing financial transactions, payment systems, or fraud detection platforms is preferred.
• Familiarity with fraud prevention tools, case management systems, and risk monitoring platforms.
• Knowledge of AML, KYC, fraud prevention principles, and financial services regulations is an advantage.
• Strong analytical, investigative, and decision-making skills.
• Excellent written and verbal communication abilities.
• Proficiency with Microsoft Office and data analysis tools.
• Ability to manage multiple investigations while maintaining accuracy and meeting service level agreements.

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Personal Capabilities and Qualifications

• Exceptional attention to detail.
• Strong analytical and investigative mindset.
• Excellent problem-solving and critical-thinking abilities.
• High ethical standards and professional integrity.
• Strong organizational and time-management skills.
• Ability to remain objective under pressure.
• Effective communication and teamwork skills.
• Adaptability within a fast-paced operational environment.
• Customer-focused approach while maintaining compliance requirements.
• Commitment to continuous learning and operational excellence.

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Strategic Support

The Fraud and Risk Operator plays a critical role in protecting the organization, its customers, and its financial assets by identifying fraudulent activity and mitigating operational risks. This role partners with Risk, Compliance, Operations, Customer Support, Finance, and Security teams to strengthen fraud controls, improve investigative processes, and maintain regulatory compliance.

Through proactive monitoring, thorough investigations, risk analysis, and continuous process improvements, this position directly contributes to fraud prevention, financial protection, customer confidence, and operational resilience.

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Working Conditions

• Fully Remote position within the United States.
• Standard Monday through Friday schedule with flexibility for rotating shifts, weekends, or holidays based on operational needs.
• Frequent collaboration with distributed fraud, compliance, and customer support teams.
• High-volume, fast-paced environment requiring strong attention to detail and timely decision-making.
• Company-provided technology, fraud monitoring platforms, collaboration tools, and professional development resources.

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Job Function

The Fraud and Risk Operator is responsible for monitoring transactions, investigating fraud alerts, assessing operational risks, documenting case findings, supporting compliance requirements, and helping protect the organization from financial fraud and operational losses while delivering a secure and trusted customer experience.

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Compensation & Benefits

Compensation Package: $90,000 – $135,000 annually, based on fraud operations experience, risk management expertise, industry background, technical skills, and overall qualifications.

Our comprehensive benefits package includes:

• Annual performance bonus
• Comprehensive medical, dental, and vision insurance
• 401(k) retirement savings plan with company matching
• Flexible paid time off and company holidays
• Paid parental and family leave
• Home office and remote work reimbursement
• Professional development and fraud prevention certification support
• Continuing education and industry conference opportunities
• Employee wellness and mental health resources
• Life, AD&D, and disability insurance
• Employee Assistance Program (EAP)
• Flexible remote work environment
• Career advancement opportunities within Risk, Compliance, and Fraud Operations

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Why Join Us

Join an organization where protecting customers and maintaining trust are top priorities. As a Fraud and Risk Operator, you will play a key role in preventing fraud, minimizing financial risk, and strengthening operational integrity through proactive investigations and data-driven decision-making.

This is an opportunity to develop specialized expertise in fraud prevention and risk operations while contributing to a collaborative, remote-first organization committed to security, innovation, and continuous improvement.