Fraud Risk Analyst - US Banking & Payments
Zeta · Bengaluru · onsite · Posted today
Undisclosed4–6 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Responsibilities
Required Qualifications
Preferred Qualifications
Equal Opportunity
- Monitor and investigate suspicious activity across debit card transactions, account opening, ACH transfers, and other money movement activities.
- Investigate first-party fraud, third-party fraud, account takeover, identity fraud, unauthorized transactions, scams, and suspicious movement of funds.
- Identify friendly fraud, first-party misuse, and dispute abuse, including potentially fraudulent claims of unauthorized transactions, transaction disputes, and chargebacks.
- Analyze transaction data, customer behavior, device intelligence, account relationships, and historical fraud patterns to identify anomalies and emerging threats.
- Use investigation outcomes and transaction data to develop new fraud detection rules, improve existing rules, and retire redundant or ineffective rules.
- Continuously evaluate fraud controls to improve detection rates, reduce fraud losses, and minimize false positives and unnecessary declines of legitimate transactions.
- Track key fraud metrics, including fraud losses, dispute and chargeback trends, detection effectiveness, false positives, and investigation turnaround times.
- Conduct root-cause analysis of fraud incidents and collaborate with Product, Engineering, Operations, and banking partners to strengthen preventive controls.
- Maintain clear investigation records, supporting evidence, case outcomes, and escalation documentation.
Required Qualifications
- 4-6 years of experience in fraud investigation, fraud operations, payment risk, or fraud analytics.
- Strong understanding of first-party and third-party fraud, friendly fraud, dispute abuse, card fraud, account takeover, and payment fraud.
- Knowledge of US payment systems, including debit card transactions, card disputes and chargebacks, ACH, and account-to-account money movement.
- Strong analytical skills, with the ability to identify patterns, investigate complex cases, and translate findings into actionable fraud controls.
- Proficiency in SQL and experience analyzing transaction data using spreadsheets, dashboards, or similar tools.
- Strong problem-solving, communication, and documentation skills.
Preferred Qualifications
- Experience with fraud detection platforms, transaction monitoring systems, or case management tools.
- Experience in a US-focused fintech, neobank, digital bank, or card issuing business.
- Experience designing and tuning fraud rules, analyzing dispute trends, and improving fraud detection strategies.
- Familiarity with card authorization, settlement, ACH return codes, and US consumer dispute processes.
- Experience with Python or automation for fraud analytics.
Equal Opportunity
Zeta is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We encourage applicants from all backgrounds, cultures, and communities to apply and believe that a diverse workforce is key to our success
Sourced from naukri
Skills
Automationanalytical thinkingcase managementfraud detectionDigital Bankingdebit cardAnalyticsBankingConversational Aiconsumer bankingFintechcloudcredit cardcomplianceArtificial IntelligenceAccount Opening
About Zeta
Zeta
Emerging Technologies
750
employees
2015
11 years old
Bangalore,Karnataka
India
About
Zeta is the world's first Omni Stack for credit cards. A single stack for Origination, Processing, FRM, Rewards, Loans, APIs, and Apps
Industries
Emerging TechnologiesInternet
Employee ratings
315 reviews
3.2/ 5
Culture
3.1
Career growth
2.7
Work-life
2.9
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