The Fraud Data & Technology Analyst drives data-informed decision-making through analytics, reporting, technology support, and rule optimization. This role delivers actionable insights, evaluates fraud trends and program performance, and supports initiatives that strengthen detection, prevention, and mitigation capabilities. Working closely with the Fraud Data & Technology Lead and cross-functional partners, the analyst helps optimize fraud technologies, enhance controls, improve operational effectiveness, and strengthen customer protection.
What You’ll Do- Reporting & Analytics
- Build, automate, and maintain fraud KPIs, dashboards, and reports to measure program performance, loss drivers, mitigation outcomes, and emerging fraud trends.
- Analyze fraud data and translate complex findings into actionable insights, recommendations, and strategic reporting for leadership, operations, and frontline teams.
- Conduct performance assessments, cost-benefit analyses, business case development, and industry research to support fraud strategy, risk identification, and continuous improvement initiatives.
- Fraud Technology Support
- Support the administration, maintenance, optimization, and performance of fraud-related applications, platforms, tools, and system enhancements.
- Coordinate and participate in testing, validation, implementation, troubleshooting, issue resolution, and performance monitoring to ensure technology effectiveness and operational reliability.
- Partner with internal technology teams, business stakeholders, and vendors to support fraud technology initiatives while documenting business processes, system functionality, and operational workflows for governance and knowledge sharing.
- Rules & Model Management
- Tune, calibrate, and optimize fraud detection rules, models, and decisioning strategies to improve detection effectiveness while balancing operational efficiency and customer experience.
- Analyze rule and model performance through testing, alert reviews, and performance metrics, recommending enhancements to fraud monitoring strategies and detection controls.
- Data Management
- Ensure the accuracy, integrity, reliability, and quality of data used in fraud reporting, analysis, and decision-making.
- Support data governance initiatives through documentation, maintenance of data dictionaries and reporting methodologies, quality validation, issue identification, and adherence to reporting standards.
- Cross-Functional Partnership
- Collaborate with stakeholders to identify opportunities for process improvements, automation, and enhanced fraud controls.
- Partner with Fraud Operations, Risk, Compliance, IT, and business teams to support fraud mitigation efforts.
- Provide analytical support and subject matter expertise for fraud-related initiatives.
- Bachelor's degree or higher preferred
- 3+ years of experience in fraud analytics, fraud technology or operations, risk management, or a related field.
- Required Skills:
- Hands-on experience with fraud and/or banking platforms.
- Experience with data visualization and reporting tools (e.g., Tableau, Power BI, etc.).
- Experience querying and analyzing large datasets using SQL or similar data analysis tools.
- Knowledge of fraud typologies across payments, digital identity, account takeover, and application fraud.
- Strong analytical, problem-solving, and communication skills.
- Demonstrated ability to collaborate effectively with cross-functional teams.
- Preferred Skills:
- Experience with machine learning concepts or partnering with data science teams.
- Experience creating or maintaining process maps for technical or operational processes
- Familiarity with APIs, system integrations, or cloud-based data environments.
- Ability to present complex data insights in a clear and concise manner to both technical and non-technical audiences.
- Must be able to pass a criminal background & credit check
- This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed.
- Up to 10% of travel may be required.
FLSA Status: Exempt
Ready to take your career to the next level? Apply now and become a vital part of our team!
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Pay RangeUSD $49,972.00 - USD $76,958.00 /Yr.Skills Required
- Bachelor’s degree or higher
- 3+ years of experience in fraud analytics, fraud technology or operations, risk management, or a related field
- Hands-on experience with fraud and/or banking platforms
- Experience with data visualization and reporting tools such as Tableau or Power BI
- Experience querying and analyzing large datasets using SQL or similar data analysis tools
- Knowledge of fraud typologies across payments, digital identity, account takeover, and application fraud
- Strong analytical, problem-solving, and communication skills
- Ability to collaborate effectively with cross-functional teams
- Experience with machine learning concepts or partnering with data science teams
- Experience creating or maintaining process maps for technical or operational processes
- Familiarity with APIs, system integrations, or cloud-based data environments
- Ability to present complex data insights clearly to technical and non-technical audiences
- Ability to pass a criminal background and credit check
United Community Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about United Community Bank and has not been reviewed or approved by United Community Bank.
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Leave & Time Off Breadth — PTO and parental leave are presented as robust, covering vacation, sick and personal time plus federal holidays. Time-away policies are highlighted as strengths relative to base pay.
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Healthcare Strength — The package includes multiple medical plan options, company-paid short- and long-term disability, and company-paid life insurance at a high multiple of salary. These protections are positioned as core strengths of the total rewards offering.
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Retirement Support — A 401(k) with employer match and HSA with employer contributions are part of the offering. These components indicate meaningful support for long-term financial security.
United Community Bank Insights
What We Do
Since 1950, United Community has been driven to provide best-in-class service as we work to improve the financial well-being of the people and communities we serve. As a top 100 U.S. financial institution, we offer comprehensive banking, wealth management, and mortgage services, serving clients across the Southeast with more than 200 locations throughout Alabama, Georgia, North Carolina, South Carolina, Tennessee, and Florida. Our commitment to service has earned us numerous accolades, including ten J.D. Power awards for #1 in customer satisfaction in the Southeast, and consistent recognition from Forbes, including multiple appearances on their lists of World's Best Banks and America's Best Banks. We were also recognized by Newsweek as one of America's Most Trusted Companies and are a multi-year recipient of American Banker's "Best Banks to Work For" award. We are an Equal Housing Lender and Member FDIC. For a better banking experience, visit your local United Community branch today. For more information about our products and services, please visit ucbi.com.
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