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Fraud Analyst
Location
United States
Posted
127 days ago
Salary
$82.6K - $121.4K / year
Seniority
Lead
Job Description
Fraud Analyst
Marqeta
• Monitor, investigate, and analyze suspicious transaction activity using internal and external fraud and risk monitoring tools • Conduct complex fraud investigations, including card-not-present (CNP), card-present (CP), account compromise, and dispute-driven fraud cases • Gather, document, and maintain detailed evidentiary case files to support fraud decisions • Perform deep-dive analyses to identify fraud trends, root causes, and emerging typologies • Review and action alerts generated by Real-time Transaction Monitoring system • Analyze large datasets to identify red flags, anomalies, and emerging fraud trends • Test, validate, and troubleshoot fraud controls to ensure effectiveness and operational integrity • Document fraud procedures, workflows, and controls to support auditability and operational efficiency • Escalate identified control gaps, compliance risks, or operational issues to management • Serve as a subject-matter expert on disputes, chargeback workflows, and network rules, including timelines and evidence requirements • Apply deep knowledge of Regulation E to ensure compliant handling of unauthorized transaction claims, provisional credits, timelines, and customer notifications • Collaborate closely with Disputes, Compliance, and Operations teams to identify emerging fraud patterns and systemic risks • Utilize Visa Resolve Online (VROL) to investigate fraudulent transactions and support chargeback workflows • Support continuous improvement initiatives across fraud monitoring, disputes handling, and regulatory compliance
Job Requirements
- 10+ years of experience in fraud mitigation, investigations, or disputes within card processing, banking, fintech, or financial services
- Strong, hands-on experience with Visa and Mastercard chargeback processes, rules, and timelines
- Demonstrated expertise in Regulation E (and working knowledge of Regulation Z), including unauthorized transaction handling, provisional credits, and customer notification requirements
- Strong working knowledge of disputes case management systems and platforms
- Deep understanding of debit and credit card lifecycle, transaction flows, and network ecosystems
- Proven ability to analyze large volumes of transactions and dispute data to identify fraud trends and operational risks
- Experience using Visa platforms such as Visa Resolve Online (VROL)
- Excellent investigative, analytical, and problem-solving skills
- Strong written and verbal communication skills, with the ability to clearly document findings and present insights
Benefits
- Multiple health insurance options
- Flexible time off – take what you need
- Retirement savings program with company contribution and after tax contributions
- Equity in a publicly-traded company and an Employee Stock Purchase Program
- Family-forming benefits, fertility support, and up to 20 weeks of Parental Leave
- Free therapy sessions, financial and professional coaching, and legal advice
- Monthly stipend to support our remote work model
- Annual “development dollars” to support our people growth and development
- Through Flex First, the freedom to live and work wherever you and your family thrive
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