Fraud Analytics and Innovation Senior Analyst - Digital Fraud Strategies Newark, Delaware;Plano, Texas; Fort Worth, Texas; Boston, Massachusetts; Charlotte, North Carolina; Chicago, Illinois; Tampa, Florida; Kennesaw, Georgia; Jacksonville, Florida; Phoenix, Arizona

• To proceed with your application, you must be at least 18 years of age.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Newark/Fraud-Analytics-and-Innovation-Senior-Analyst---Digital-Fraud-Strategies\_26019392-2)
• Bank of America employees are required to meet all
• posting eligibility requirements
• prior to applying for any new position.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Newark/Fraud-Analytics-and-Innovation-Senior-Analyst---Digital-Fraud-Strategies\_26019392-2) Refer a friend
• To proceed with your application, you must be at least 18 years of age.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Newark/Fraud-Analytics-and-Innovation-Senior-Analyst---Digital-Fraud-Strategies\_26019392-2)
• Bank of America employees are required to meet all
• posting eligibility requirements
• prior to applying for any new position.
• Acknowledge (https://ghr.wd1.myworkdayjobs.com/Lateral-US/job/Newark/Fraud-Analytics-and-Innovation-Senior-Analyst---Digital-Fraud-Strategies\_26019392-2)

• 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 and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. 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. This role will support Emerging Risk Fraud Strategies primarily in Digital products; Zelle/Wires/BillPay. Responsible for creating fraud strategies and ensuring proper risk controls are deployed adhering to best practices. Team member will provide recommendations on mitigation efforts, ensuring monitors are in place, self-create initiatives as needed. Conducting defect reviews of 3rd party fraud loss cases to identify any gaps in Fraud strategy and/or procedural adjustments. Strategy performance tracking and rule optimization on recurring basis. Team member will also be responsible for developing and validating fraud variables utilized in strategies. Role also include project management where candidate would be responsible for providing fraud requirements, testing, and development of strategies. The projects includes network mandates, Product team support, and internal projects. SAS/SQL technical skills required. Good working experience with Tableau and Python is a plus.

• Responsibilities:

• + Recommends ways to help the business achieve desired outcomes and make informed business decisions using data analysis outputs + 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 + Leads coordination of the production of product performance reports and updates for senior management + Analyze complex data to provide insights into incoming and loss trends or identify potential problems + Develop adhoc reporting + Identify process improvements and efficiencies via data analysis + Deliver accurate metrics related to fraud and claim activity + Validate the integrity and quality of data required for performing analysis + Partner with claims, policy, strategy, and product teams to deliver data insights and analysis that inform critical decisions and help achieve goals.

• Required Qualifications:

• ▪ 3+ years of fraud experience and/or 2+ years of analytical experience (Payment card /Retail Bank background preferred) ▪ Proficient in SAS/SQL and Excel ▪ Strong quantitative, critical thinking, and analytical skills ▪ Ability to communicate and interact with a high degree of professionalism with executive level personnel across the business ▪ Ability to work independently as well as part of a virtual team ▪ Innovative mindset with the ability to challenge the status quo ▪ Ability to proactively identify, analyze, and improve upon existing processes for optimization and to meet deadlines •

Desired Qualifications:

• ▪ Bachelors degree in a quantitative discipline such as mathematics, statistics, operations research, finance, or business ▪ Advanced analytical and quantitative skills with demonstrated ability in using data and metrics to identify root causes ▪ Basic understanding of 1st and 3rd party fraud (claims to charge-off timing, chargeback recovery rights, etc.

) ▪ Proven strong analytical and communication skills

• This position is not eligible for sponsorship

• 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
• 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
• _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._

• 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.