Fraud Risk Analyst – US Banking & Payments
zeta · Posted Oct 27
Modern core, credit and debit processing, and embeddable banking infrastructure for financial institutions
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About the role
Zeta is a payments company built under the Directi umbrella, offering snappy payments, meal vouchers, online payments with virtual and physical MasterCards, and a Cloud Card loyalty programme. This role sits in the risk function of the business unit serving US banking and payments. The analyst will investigate suspicious activity across debit card transactions, account opening, ACH transfers and other money movement, and use those findings to build and tune fraud detection rules and controls.
What you will do
- 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.
Skills used in this role
What the employer is looking for
- 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.
Benefits and support
- Compensation and benefits are detailed in the job posting
About zeta
Zeta is a next-generation banking technology company that provides a cloud-native, microservices-based, API-first platform for financial institutions and fintechs. Its flagship Tachyon suite enables banks to rapidly launch and manage asset and liability products, such as credit cards, loans, checking accounts, and core banking features. The company serves major global financial institutions and has scaled to support millions of active cards worldwide.
- Industry
- Banking Tech
- Company size
- 1001+ employees
- Founded
- 2015
- Location
- San Ramon, California, USA
- Funding stage
- Series D
Funding
Series D · $390M raised
- 2019-07-23Series C$60M
- 2021-05-24Series C$250M
- 2022-03-07Series C$30M
- 2025-02-11Series D$50M
Leadership
Co-Founder & CEO
Co-Founder, APAC CEO & Global CTO
Recent coverage
Zeta Global Press Release
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Zeta Global Press Release
Lalitha Stables named President, U.K., as Zeta brings together more than 120 employees and expands its local enterprise team2026-09-22