Fraud Tradeoff Analyst

Fraud Tradeoff Analyst Fargo, ND Job Details Full-time $119,765 - $140,900 a year 4 days ago Benefits Paid holidays Disability insurance Health insurance Dental insurance 401(k) Adoption assistance Parental leave Vision insurance Life insurance Qualifications Internal controls Regulatory compliance Data reporting Risk mitigation strategy implementation Improving operational efficiency Financial fraud detection 8 years Analysis skills Project management Bachelor's degree Decision making Data quality monitoring Forecasting Productivity software Data validation Root cause analysis Data analytics tools Senior level AI Data-driven decision making Communication skills Full Job Description At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description The Fraud Tradeoff Analyst provides enterprise‑level analytical insight into the tradeoffs between fraud risk reduction, customer experience, operational efficiency, and financial outcomes across deposits, digital, payments, authentication, and the end‑to‑end account lifecycle. This role applies advanced analytics to identify material loss drivers, customer friction points, operational inefficiencies, and emerging fraud risks—ensuring fraud decisions are grounded in measurable business impact rather than isolated metrics. By developing and applying a consistent fraud tradeoff and loss‑avoidance framework, the analyst enables leadership to prioritize initiatives, allocate investment, and optimize controls holistically. The Fraud Tradeoff Analyst partners closely with Fraud Strategy, Risk, Operations, Digital, Technology, and AI/ML teams to translate complex analysis into clear, decision‑ready insights that support enterprise‑wide fraud outcomes. Key Responsibilities Analyze enterprise fraud performance across deposits, digital, payments, authentication, and account lifecycle domains to identify material loss drivers, customer friction, operational impacts, and emerging risks. Develop and apply a fraud tradeoff framework to evaluate initiatives across fraud loss reduction, customer experience, operational efficiency, and financial impact, enabling clear, data‑driven prioritization decisions. Engineer and maintain fraud loss‑avoidance methodologies, ensuring consistent, audit‑ready measurement of net benefit, including losses avoided, review costs, false‑positive friction, and revenue impacts. Perform advanced and ad‑hoc analytics to assess control effectiveness, conduct root‑cause analysis on fraud events, and identify optimization or decommissioning opportunities. Support strategic sizing and business cases by quantifying expected benefits, costs, risks, and tradeoffs for fraud initiatives, tools, and enhancements. Partner with Fraud Strategy, Risk, Operations, Digital, and Technology teams to align priorities, evaluate tradeoffs, and drive measurable outcomes from analytics‑informed initiatives. Collaborate with modeling and AI/ML teams to support predictive fraud capabilities through analytical input, performance assessment, and value tracking. Translate complex analytics into clear, executive‑ready insights and narratives, ensuring findings inform action, investment decisions, and continuous improvement. Ensure analytical rigor and data quality, validating assumptions, strengthening methodologies, and promoting transparent, decision‑ready metrics used confidently by stakeholders and governance forums. Assess operational impacts of fraud controls, including alert volumes, review capacity, false‑positive burden, and workflow efficiency, identifying opportunities to reduce friction while maintaining effective risk mitigation. Additional Expectations Leverage approved AI‑enabled productivity tools to improve efficiency, quality, and effectiveness of work outputs, applying sound judgment to validate results and ensure responsible, compliant use in accordance with company policies. Develops and delivers data‑driven insights and narratives to inform decision‑making and support business objectives. Perform additional duties and assume evolving responsibilities as needed to support changing business priorities, organizational needs, and strategic objectives. Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures. Basic Qualifications Bachelor's degree, or equivalent work experience Typically more than eight years of applicable experience Preferred Skills/Experience Comprehensive knowledge of all departmental data sources, and of fraud risk and operations management associated with the product lines Strong analytical skills relative to evaluating fraud prevention infrastructure and forecasting fraud loss trends Strong project management skills Effective verbal and written communication skills Proficient computer navigation skills using a variety of software packages including Microsoft Office applications and data analysis software

LOCATION EXPECTATIONS

This role requires working from a U.S. Bank Location three (3) or more days per week. If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members' whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind.

Our benefits include the following:

Healthcare (medical, dental, vision) Basic term and optional term life insurance Short-term and long-term disability Pregnancy disability and parental leave 401(k) and employer-funded retirement plan Paid vacation (from two to five weeks depending on salary grade and tenure) Up to 11 paid holiday opportunities Adoption assistance Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law Review our full benefits available by employment status here. U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law. E-Verify U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements).

Pay Range:

$119,765.00 - $140,900.00 U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of

FINRA, NMLS

registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures. Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies. Posting may be closed earlier due to high volume of applicants.