Fraud Analytics and Innovation Senior Analyst (Financial Center Fraud Strategy) Plano, Texas;Richmond, Virginia; Phoenix, Arizona; Fort Worth, Texas; Boston, Massachusetts; Charlotte, North Carolina; Chicago, Illinois; Tampa, Florida; Jacksonville, Florida; Newark, Delaware

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• Job Description:

• At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection.

We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work is core to how we drive Responsible Growth. This includes our commitment to being an inclusive workplace, attracting and developing exceptional talent, supporting our teammates' physical, emotional, and financial wellness, recognizing and rewarding performance, and how we make an impact in the communities we serve. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

• Job Description:

• This job is responsible for performing more complex analysis and modeling to minimize fraud loss exposure and negative impacts to the customer experience.

Key responsibilities include utilizing a variety of systems, such as Excel, SAS, SQL, Tableau, and other relational data bases, to provide analytical support on strategies, ensure goals are met, and propose policy/procedural changes within segmentation structures to produce optimal results. Job expectations include evaluating data to assess potential fraud risk and creating mitigation strategies. As a Financial Center Fraud Strategy Analyst within the Client Protection organization, you will leverage your technical expertise and strategic thinking to solve complex business challenges and identify opportunities to strengthen our defenses. The Financial Center Fraud team focuses on detecting and preventing criminals who impersonate customers and attempt to steal funds at the teller counter. You will join a dedicated team of fraud professionals committed to stopping criminal activity and protecting our customers. In this role, you will analyze complex and rapidly evolving fraud problems, working to stay one step ahead of emerging tactics. You will design and optimize sophisticated fraud defenses that minimize customer impact while maximizing loss avoidance. You will collaborate across multiple partner organizations and represent the team as a subject matter expert. We are seeking someone with strong communication skills, sound business judgment, and a results oriented mindset who thrives in a fast paced, highly adaptive environment.

• Responsibilities:

• + Performs complex analysis of financial models, market data, financial data, and portfolio trends to understand product performance and improve portfolio risk, profitability, performance forecasting, and operational performance + Utilizes a variety of systems, such as Excel, SAS, SQL, Tableau, and other relational data bases, to provide analytical support on strategies, ensure goals are met + Evaluates data to assess potential fraud risk and creating mitigation strategies + Proposes policy/procedural changes within segmentation structures to produce optimal results + Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs + Leads the coordination of the production of product performance reports and updates for senior management +

Strategy Development:

Develop and implement comprehensive strategies to identify, prevent, and mitigate deposit fraud activities + Stay abreast of emerging trends and tactics to ensure the effectiveness of detection strategies +

Data Analysis:

Leverage data analytics tools and techniques to analyze large datasets, identify patterns, and uncover indicators of deposit fraud activity. Develop predictive models and scoring mechanisms to prioritize potential cases +

Risk Assessment:

Conduct risk assessments to identify vulnerabilities in the organization's systems and processes that may be exploited by fraudsters. Develop mitigation strategies to address these risks +

Collaboration:

Collaborate with various departments, including compliance, fraud investigations, and operations, to ensure effective coordination and information sharing +

Reporting:

Prepare regular reports including key performance indicators, trends, and recommendations for improvement

• This position is not eligible for sponsorship.

• Required Qualifications:

• + 2+ years SAS/SQL coding experience + Proficiency in framing problems and developing impactful solutions with minimal oversight + Intermediate Excel and PowerPoint capability + Excellent communication and presentation skills + Ability to interact effectively and build relationships with business partners at all levels + Experience in managing competing priorities

• Desired Qualifications:

• + Advanced SAS/SQL coding ability + Fraud and/or Claims with focus on Deposit Fraud a plus + Understanding of advanced data analytics and modeling techniques + Functional knowledge of multiple products and/or channels (e.

g. Credit, Debit, Digital, Call Center, etc.) + Bachelor's/Master's degree in a relevant field. + Certification in fraud examination or risk management. + Experience in the financial services industry + Familiarity with developing Tableau dashboards + Experience presenting to senior leaders + Experience with hypothesis testing and/or feature prioritization

• Skills:

• + Business Analytics + Business Intelligence + Data Quality Management + Fraud Management + Monitoring, Surveillance, and Testing + Collaboration + Data Visualization + Oral Communications + Problem Solving + Written Communications + Analytical Thinking + Critical Thinking + Data and Trend Analysis + Innovative Thinking + Research It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.

An employer who violates this law shall be subject to criminal penalties and civil liability. Internal employees who are currently working from home are still eligible to apply. However, if selected for the role, you may be required to work onsite in accordance with the workplace excellence policy.

• Shift:

• 1st shift (United States of America)

• Hours Per Week:

• 40 Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws.

The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\_EEOC\_KnowYourRights6.12.pdf) " poster. View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy ("Policy") establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work. This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason. Investment products offered through MLPF&S and insurance and annuity products offered through

MLLA:

• Are Not FDIC Insured
• Are Not Bank Guaranteed
• May Lose Value
• Are Not Deposits
• Are Not Insured by Any Federal Government Agency
• Are not a condition to Any Banking Service or Activity
• Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as "MLPF&S" or "Merrill") makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation ("BofA Corp."). MLPF&S is a registered broker-dealer, registered investment adviser,
• Member SIPC
• and a wholly owned subsidiary of BofA Corp.

Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation. Trust, fiduciary and investment management services are provided by Bank of America, N.A., Member FDIC and wholly owned subsidiary of Bank of America Corporation ("BofA Corp."). Bank of America Private Bank is a division of Bank of America, N.A. Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation. © 2026 Bank of America Corporation. All rights reserved.