Fraud Operations Business Analyst

America First Credit Union is seeking a Fraud Operations Business Analyst to support enterprise-wide fraud initiatives. This role combines analytical expertise with strategic leadership to deliver effective fraud mitigation capabilities while ensuring compliance with regulatory requirements.

Responsibilities:

• Interpret and apply BSA/AML, fraud, and regulatory requirements to business processes, system enhancements, and operational workflows
• Conduct risk assessments to identify fraud vulnerabilities and recommend mitigation strategies
• Analyze fraud trends, suspicious activity patterns, and operational data to Support decision-making and compliance reporting
• Partner with BSA Compliance and Fraud Operations teams to ensure alignment with regulatory expectations and internal policies
• Support audits, regulatory exams, and internal reviews by preparing documentation, data, and process explanations
• Gather, document, and refine business requirements for fraud detection systems, case management tools, and compliance platforms
• Translate business needs into functional specifications for technology teams
• Evaluate current-state processes and recommend improvements that enhance fraud prevention, customer experience, and operational efficiency
• Develop user stories, acceptance criteria, and process flows that support Agile
• Facilitate cross-functional workshops, requirements sessions, and solution design discussions
• Serve as a support to the Product Owner acting as a Lead Analyst for the Fraud Solutions Agile team, guiding sprint planning, backlog prioritization, and roadmap
• Ensure the team delivers high-quality fraud prevention capabilities, enhancements, and system integrations
• Collaborate closely with developers, QA analysts, data scientists, and business stakeholders to ensure clarity of requirements and alignment with strategic goals
• Monitor sprint progress, remove blockers, and ensure timely delivery of features that support fraud detection, case management, and compliance workflows
• Champion Agile best practices and foster a culture of continuous improvement within the team
• Act as a liaison between Compliance, Fraud Operations, Technology, and business units
• Communicate complex fraud and compliance concepts in clear, actionable terms for both technical and non-technical audiences
• Prepare executive-level reporting on fraud trends, project progress, and risk
• Build strong relationships with internal partners to ensure alignment on priorities and outcomes

Requirements:

• Bachelor's degree in Business, Finance, Information Systems, or related field
• 3–7+ years of experience in Fraud, BSA/AML compliance, or financial crimes risk management
• Proven experience as a Business Analyst supporting fraud or compliance-related systems
• Strong understanding of fraud detection tools, transaction monitoring systems, and case management platforms
• Experience working in Agile environments
• Excellent analytical, problem-solving, and communication skills
• Ability to manage competing priorities and drive results in a dynamic environment
• Familiarity with machine learning–based fraud models or rules-based detection systems
• Experience with Jira, Confluence, or similar Agile tools
• Experience with Python and R
• Strong SQL abilities
• Experience with both Oracle and Microsoft
• Knowledge of banking operations, payments, digital channels, or financial services technology
• Ability to translate regulatory requirements into technical specifications