Fraud Risk Analyst II

The role

The Fraud Risk Analyst II supports the BaaS program by overseeing FinTech partners, with a focus on fraud analysis reviews. The role tracks fraud reports, completes low and medium fraud reviews, and presents summaries and recommendations to management.

What you will do

• Facilitate and communicate requests for information from FinTech partners and internal departments.
• Track and follow up on fraud reports, fraud events and related communication.
• Track fraud reviews and general status, and provide updates to management.
• Perform daily monitoring reviews and escalate concerns to Lead or Manager.
• Review partner policies and procedures to identify gaps across the customer life cycle.
• Complete low and medium fraud reviews for BaaS partners.
• Prepare and present fraud summaries, analysis and recommendations to management.
• Stay current with emerging fraud trends and give partners guidance and best practices.
• Maintain fraud procedural manuals, job aides and tools.
• Support AI and automation initiatives, including documenting requirements and monitoring outputs.

Required qualifications

• Knowledge and understanding of FinTech with a strong fraud analysis and technical background.
• Knowledge and understanding of GRC platform(s).
• Demonstrated ability to work in a team environment.
• Ability to resolve problems with minimal guidance and make general daily decisions.
• Ability to interface with other departments and work in a fast-paced environment with minimal supervision.
• Ability to analyze data and trends to find process improvements.
• Excellent written and verbal communication skills.
• Ability to manage multiple tasks, projects and deadlines at once.
• Attention to detail and accuracy.
• Knowledge of rules and regulations including BSA, USA PATRIOT Act, OFAC, Regulation E, Truth in Savings Act, UDAAP, Truth in Lending and ECOA.
• Bachelor's degree or equivalent related experience.

Nice to have

• 2-4 years of bank fraud and risk experience.

Benefits

• Three medical plans to choose from.
• Health Savings Account (HSA) with employer contributions.
• Flexible Spending Accounts for healthcare and dependent care.
• Dental and vision insurance.
• Company-paid basic life insurance with options for additional coverage.
• Long-term and short-term disability insurance.
• Supplemental hospital indemnity, accident and critical illness coverage.
• 401(k) retirement plan with company matching.
• Paid vacation and sick leave.
• 11 paid holidays per year.

Before you apply

• Must be available to work standard Pacific Time business hours regardless of location.

About the company

Coastal is a bank combining financial infrastructure with Banking-as-a-Service and fintech enablement, serving individuals and businesses. It says it works like an entrepreneur, focused on impact, speed and continuous improvement.