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, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. 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. Try new things, learn new skills and discover what you excel at—all from Day One. As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other. We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation. We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do. Job Description The Fraud Risk Analyst develops data‑driven insights that support fraud prevention, detection, and rule management across digital banking and money movement products. The role focuses monitoring emerging fraud risks, evaluating rule effectiveness, and developing targeted enhancements that increase fraud mitigation effectiveness and reduce fraud losses while maintaining an appropriate customer experience. The analyst works closely with fraud operations, technology, and risk partners to analyze performance trends, investigate anomalies, and communicate analytical findings into clear, actionable recommendations that support effective fraud risk management and decision‑making across key areas including First Party Fraud, Third Party Fraud, Account Takeover, Scam, and ID Theft scenarios. Key Responsibilities - Analyze fraud rule performance, alert outcomes, and loss trends across digital channels to assess effectiveness, thresholds, customer impact, and identify opportunities for improvement - Leverage large, complex datasets to identify emerging fraud patterns and performance shifts that inform rule development and refinement - Develop data‑driven insights and actionable recommendations that support fraud mitigation while balancing risk, customer experience, and operational efficiency - Conduct root‑cause analysis on fraud events, performance shifts, and anomalies to inform rule enhancements and control improvements - Partner with fraud operations, technology, and risk teams to validate findings, support rule changes, and ensure alignment with governance standards - Translate analytical findings into clear, concise summaries to support management reviews and stakeholder discussions Additional Expectations - Utilize approved AI tools, analytics platforms, and digital solutions to improve efficiency, accuracy, and productivity, applying sound judgment to validate outputs and ensure responsible, ethical, and compliant use - Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures Skills and Experience - Bachelor’s degree in Business, Finance, Computer Science, Business Analytics, Statistics, or another quantitative field; Masters’ degree a plus - SAS, SQL, or Python experience - Proficient computer skills, especially Microsoft Office applications and data analysis software - Knowledge of financial services products, systems, and data preferably within the fraud domain including familiarity with online banking and digital payments - Experience analyzing fraud performance data, alerts, or rule‑based controls - Strong analytical, problem‑solving, and critical‑thinking skills - Excellent presentation, written, and verbal communication skills with the ability to communicate analytical findings clearly to technical and non‑technical audiences - Flexibility in day-to-day tasks, ability to manage multiple tasks and priorities in a fast‑changing environment, and tolerance for ambiguity - Ability to work independently and deliver high‑quality analysis in a remote environment, while collaborating effectively within a team - Ability to build strong cross‑functional relationships and contribute to stakeholder discussions at various levels of the organization, through clear, data‑driven insights Location expectations This role is designated as home-based remote. Working hours 13:00-21:00 Monday - Friday; 15:00-23:00 in the onboarding period Accessibility We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support. Total Rewards U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value. We offer a market-competitive compensation package that includes: - Clearly defined salary ranges aligned with industry benchmarks and internal equity standards. - Performance-based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance. - Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness). - Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria. - Employee recognition programs that celebrate achievements and milestones for all. We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application. We encourage candidates to explore the full value of our offer, including monetary and non-monetary benefits, at Employee benefits and development | U.S. Bank | Elavon. Closing Date Posting may be closed earlier due to high volume of applicants. We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.

JOB DESCRIPTION Job Summary Leads and manages team responsible for risk-based process design initiatives - leveraging a depth of internal audit, Sarbanes-Oxley (SOX), information technology and/or business experience to interpret significance of assessment findings, identify process improvement opportunities, develop risk based programs, and strengthen overall corporate governance and mitigate business risk. Essential Job Duties • Oversees day-to-day function of Sarbanes- Oxley (SOX) compliance efforts, including oversight for establishing and maintaining internal controls, compliance, audits, policies and procedures, staff scheduling and performance, and ensures test results are properly documented and issues are appropriately raised. • Oversees hiring, onboarding, training, mentoring, and performance management for the risk control team, and oversees the processes, tasks, functions, and projects within the function. • Organizes and facilitates key SOX and internal control design and operational assessment processes with process owners, control owners, SOX leaders, and testers. • Participates in establishing an enterprise-wide risk assessment processes and assists in developing and executing dynamic audit plans to address high-risk areas. • Manages co-sourced consultants and optimizes their engagement according to budget; acts as lead in the scoping, budgeting, tracking of budget versus actuals and status reporting as needed. • Critically evaluates current set of in scope controls, and recommends ways to rationalize and optimize controls through automation. • Acts as the ""go-to"" person for internal controls within the organization and provides a reliable and insightful resources for implementing controls within a business processes in an efficient and effective manner. • Liaises with external auditors and proactively coordinates SOX and other audit related matters to ensure, amongst other things, reliance by external auditors on leadership's testing and coordination of the prepared by client (PBC) request process to minimize impact to the business and align testing results. • Performs other tasks and projects as assigned in support of internal audit team and corporate objectives, including business process improvements, planning and execution of operational audit projects. • Demonstrates development of technical and analytical skills to understand business processes, interpret associated risks, develop testing approaches, and propose solutions. • Coordinates and facilitates the implementation of SOX requirements for assigned areas. • Represents as key liaison role in collaboration with service line senior leadership - disseminating information to leadership/departments to support internal control compliance, knowledge, and awareness. • Implements multi-disciplinary project plans to comply with SOX and other key financial initiatives, including system and business process components. • Collaborates directly with business process owners on the implementation of SOX controls, including business process redesign, policies, procedures, documentation, evidence-based evaluation and system enhancements. • Resolves internal control issues and deficiencies through adept collaboration and facilitation skills with process and control owners. • Assesses testing results, utilizes professional judgment, identifies trends and themes, and assesses process and control owner corrective action plans (CAPs) for adequacy and efficiency. • Assists in annual risk assessment, material determination and detailed testing plans. • Applies project management techniques to assess project plan objectives and risks, develops estimates of resource and time requirements, monitors and facilitates task completion, applies appropriate escalation to remove barriers, and ensures projects achieve desired objectives. • Prepares written reports for leadership on project progress, remediation, and other requested topics. • Directs the training of testers, analysts, and other junior members of the SOX team; ensures appropriate segregation of duties across department functions. • Assists in defining, developing, and maintaining SOX and internal control policies and procedures. • Promotes company awareness of processes, internal controls, policies, and SOX requirements. • Promotes corporate and regional internal control standards. • Conducts internal control training to groups across the organization. Required Qualifications • At least 7 years of hands-on independent problem-solving, project management, and analysis experience in the finance, accounting or auditing fields, or equivalent combination of relevant education and experience. • At least 1 year of management/leadership experience. • Bachelor's degree in business, finance, or accounting or related field. • Detailed understanding of and experience in Sarbanes-Oxley (SOX) compliance, including internal control scoping, documentation, testing and remediating control deficiencies. • Strong independent problem-solving, project management and analytical skills in finance, accounting, or auditing related areas. • Excellent desktop application capabilities (e.g. SOX compliance software, and related applications). • Effectively uses emotional intelligence to manage own emotional reactions in tense or ambiguous situations, and adjust style. • Appropriately based on audience and situation, expresses reactions and opinions without intimidating others, effectively adjusts to stress (e.g., uses humor) and demonstrates resiliency. • Strong verbal and written communication skills. • Strong proficiency in Microsoft Office suite products, key skills in Excel (VLOOKUPs and pivot tables)/applicable software program(s) proficiency. Preferred Qualifications • Certified Internal Auditor (CIA) or Certified Public Accountant (CPA) strongly preferred, or in progress. • Certified Information Systems Auditor (CISA) desirable. • SOX implementation experience for a public company and/or health care company. • Audit experience in a Big 4 firm and/or corporate environment. • Experience in the health care industry, preferably in accounting, finance, or auditing. • In-house specific application experience (e.g., JD Edwards, QNXT, SQL). • Strong understanding of internal audit standards, SOX, ITGC and COSO. • Experience in project management best practices. To all current Molina employees: If you are interested in applying for this position, please apply through the Internal Job Board. Molina Healthcare offers a competitive benefits and compensation package. Molina Healthcare is an Equal Opportunity Employer (EOE) M/F/D/V

JOB DESCRIPTION Job Summary Provides senior level analyst support for risk-based process design initiatives - leveraging a depth of internal audit, Sarbanes-Oxley (SOX), information technology and/or business experience to interpret significance of assessment findings, identify process improvement opportunities, develop risk based programs, and strengthen overall corporate governance and mitigate business risk. Essential Job Duties • In conjunction with leadership, supports formalization of the universe of risks - performing enterprise risk assessments, communicating areas for management focus, developing the annual risk-based internal process plan, supporting programs and assisting planned internal audit activities • Provides project management support and assists in performing business process assessments, technology risk assessments and enterprise resource controls (ERP)/accounting controls reviews. • Identifies, assesses and solves complex business problems. • Reviews the effectiveness of internal control design and recommends improvements as warranted. • Provides project management support and assists in performing financial, operational and information system assessments throughout the business. • Prepares work papers, writes reports and completes deliverables in a timely manner to adequately and clearly document testing and support conclusions. • Provides project management and assists with Sarbanes-Oxley (SOX) 404 compliance audits in accordance with relevant departmental policies and procedures and other established SOX standards as appropriate. • Supports a “business value-add” approach to internal audits by collaborating with process/function owners to identify best practices and process improvement opportunities. • Documents, evaluates, and analyzes diverse, complex organizational functions and processes that identify controls to facilitate the development of value-added accounting and finance systems related business processes and control improvement recommendations. • Conducts process assessments of specified areas and identifies areas of improvement. • Assists in or executes special projects or internal controls consultations on major business projects for accounting/finance leadership as requested. • Monitors the follow-up, tracking and completion status of all identified findings and recommendations. • Practices and encourages professional development and teamwork within the accounting/finance department. • Stays current on developments in the accounting and auditing industry and within the business. • Acts as an escalation point for issues raised by auditors. • Identifies and implements continuous improvement initiatives to automate accounting processes including reconciliation of data, reporting and analysis. • Mentors and coaches junior team members. Required Qualifications • At least 3 years of related audit experience, preferably in an internal audit function, and at least 2 years in information technology (IT) development and/or data analysis, or equivalent combination of related education and experience. • Bachelor’s degree in accounting, finance, business, information systems or related field. • Advanced knowledge of Sarbanes-Oxley (SOX) Act; experience performing SOX testing, and business process SOX experience. • Expertise with audit procedures and standards, risk components and assessment, control analysis and internal controls. • Critical-thinking, problem-solving and analytical skills. • Ability to prioritize and manage multiple tasks. • Ability to work in a team setting. • Effective verbal and written communication skills. • Proficient in Microsoft Office suite products, key skills in Excel (VLOOKUPs and pivot tables)/applicable software program(s) proficiency. Preferred Qualifications • Auditing and/or health care or managed care experience. • Certified Information System Auditor (CISA), Certified Internal Auditor (CIA), Certified Public Accountant (CPA) or equivalent information technology (IT) certification. To all current Molina employees: If you are interested in applying for this position, please apply through the Internal Job Board. Molina Healthcare offers a competitive benefits and compensation package. Molina Healthcare is an Equal Opportunity Employer (EOE) M/F/D/V

• Design and oversee the end-to-end risk lifecycle for ReadyBucks. • Implement and manage advanced KYC/KYB workflows and real-time fraud detection tools. • Establish key performance indicators (KPIs) to track delinquency, default rates, and recovery performance. • Regularly audit existing risk models and automated decisioning logic to optimize for both conversion and loss-reduction.