Analyst - Fraud Strategy

Job Location:

Jersey City, NJ Work Mode:

Hybrid (Minimum 3 days/week in office)

Salary Range:

$100K - $135K/Year Base plus Annual Bonus The posted range is the hiring range for this role — a subset of the broader range available to employees over time — and reflects base salary across our national hiring scale. Final offers are based on several factors, including the candidate's skills and experience, internal pay equity, work location, market conditions for the role, and the specific scope and responsibilities of the position. The top of the range is reserved for candidates who notably exceed the requirements; the lower end applies to those with less experience or fewer preferred qualifications. For positions based in higher-cost zones (e.g., California, New York, New Jersey), actual compensation may exceed the posted range; your recruiter will share specifics during the process For more information on benefits and what we offer please visit us at https://www.exlservice.com/us-careers-and-benefits We are looking for 3+ years experienced Debit Card Fraud Strategy professionals. The role involves end-to-end ownership of fraud monitoring, strategy development, performance management and loss optimization across debit card transactions, with a strong focus on real-time decisioning and post-authorization fraud controls. Required Domain Experience 3+ years of hands-on experience in Debit Card Fraud Strategy or Fraud Analytics Strong understanding of US retail banking fraud landscape Experience with authorization and post-authorization fraud strategies Technical & Analytical Skills Strong proficiency in MS Excel Strong proficiency in SQL for large-scale data extraction Hands-on experience with Python for analytics Fraud Strategy & Risk Management Design, optimize, and monitor debit card fraud strategies across: Card-present (CP) and card-not-present (CNP) transactions ATM fraud, POS fraud, e-commerce fraud, and account takeover-linked debit activity Develop and fine-tune rules-based and score-based strategies to balance fraud losses, false positives, and customer experience Drive fraud loss reduction initiatives while maintaining approval and customer satisfaction KPIs ⁠Perform root-cause analysis on fraud spikes, emerging attack patterns, and vendor performance issues Identify emerging fraud trends such as BIN attacks, merchant breaches, synthetic identity-linked debit misuse, etc.