Fraud Analyst
About the position Till is a banking platform built for families, offering debit cards, accounts, and tools to help parents raise financially capable kids. Recently acquired by Western & Southern Financial Group, a Fortune 500 company, Till operates with the resources of a large corporation while maintaining a lean, focused fintech environment. The company excels at building a unique banking platform for families, addressing the complexities of blended households, multiple guardians, and teens maturing into young adults, all within regulatory guidelines for minors. This role offers a chance to join a mission-driven fintech at a pivotal stage, with significant ownership and impact from day one.
Responsibilities
- Own fraud detection throughout the customer lifecycle, including transaction monitoring and suspicious activity investigation.
- Investigate fraud alerts generated by internal rules engines and third-party tools.
- Escalate and report suspicious activity, maintaining audit-ready case records.
- Perform OFAC screening at onboarding and continuously.
- Track fraud trends and propose rule-tuning to reduce false positives while maintaining detection effectiveness.
- Identify gaps in the fraud detection program and propose process improvements.
- Coordinate with Customer Service on account holds, dispute resolutions, and Reg E timelines.
- Partner with Product and Engineering on customer-facing fraud controls and identify fraud risks early in the product development cycle.
- Support BSA/AML audits, regulatory exams, and internal testing.
- Provide cross-coverage on identity verification and KYC reviews, Plaid name-mismatch reviews, and watchlist administration as needed.
- Prepare recurring fraud metrics and loss reporting for leadership.
Requirements
- 4+ years of experience in fraud operations, financial crimes, AML compliance, or banking operations.
- Working knowledge of BSA/AML fundamentals (SARs, UARs, OFAC, CIP/CDD) and an interest in deepening that expertise.
- Strong analytical mindset; comfort working with transaction data, identifying patterns, and explaining reasoning in writing.
- Clear written communication skills for case narratives, escalation memos, and process documentation.
- High attention to detail and the judgment to flag ambiguous cases for escalation.
- Comfort operating in a fast-paced, evolving environment.
- Bachelor's degree required.
- Authorized to work in the United States.
- Till Financial is not able to sponsor employment visas (e.g., H-1B) at this time.
Nice-to-haves
- Hands-on experience with Sift, Socure, Cognito, Plaid, Astra, Zendesk, or comparable fraud, identity, and customer support tooling.
- Familiarity with sponsor-bank-model fintech operations (BaaS).
- Experience drafting SARs or UARs.
- Experience reviewing identity documentation for authenticity.
- SQL or basic data tooling familiarity (Metabase or comparable).
- ACAMS, CFE, or in-progress certification.
Benefits
- Health, dental, and vision coverage
- HSA with company contribution
- Parental leave
- Flexible time off
- Annual bonus based on experience