Fraud Risk Analyst

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About the role

At U.S. Bancorp India, we’re on a journey to do our best. 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. Bancorp India gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One. Job Description The Fraud Risk Analyst is responsible for protecting customers and the bank by identifying, investigating, and resolving suspected fraud activity while minimizing financial losses and customer impact. This role reviews transactions, customer claims, account activity, and supporting documentation to make informed fraud decisions in accordance with established policies and procedures. The Fraud Agent performs customer authentication and verification, evaluates risk indicators, and takes appropriate action to prevent, mitigate, or resolve fraudulent activity. They maintain accurate case documentation, identify emerging fraud trends, and escalate potential risks or complex situations as needed. The role partners with customers, business partners, and internal support teams to deliver effective fraud resolutions while ensuring compliance with regulatory and operational requirements. Success in this position requires strong analytical skills, attention to detail, sound judgment, and a commitment to delivering exceptional customer service in a fast-paced environment.   Skills: Must to have : Fraud Detection, Investigation & Risk Management  Customer Authentication, Verification & Fraud Prevention  Know Your Customer (KYC) Compliance & Due Diligence  Scam Identification, Customer Education & Resolution  Customer Documentation Review, Research & Case Analysis  Customer Service Excellence & Quality Assurance  Written, Verbal & Interpersonal Communication Good to have : Critical Thinking, Analytical Problem-Solving & Decision-Making  Risk Identification, Escalation & Loss Prevention  Complex Account Review, Maintenance & Resolution  Attention to Detail, Documentation Accuracy & Case Management  Cross-Functional Collaboration & Team Partnership  Independent Work Execution, Accountability & Time Management   Transaction Monitoring & Fraud Pattern Recognition  Investigation Documentation & Regulatory Compliance  Adaptability, Learning Agility & Change Readiness  Prioritization, Organization & Workload Management  Professional Judgment & Customer Impact Assessment Competencies: Must to have : Critical Thinking and Decision-Making Risk Identification and Escalation  Complex Account Condition Management Attention to Detail and Documentation Accuracy Cross-Functional Collaboration and Communication Good to have: Fraud & Risk Management Customer Authentication and verification Customer KYC Requirements Scam Awareness & resolution Customer Document Accuracy & Research Customer Service & Quality Assurance Written and Verbal Communication Independent Execution and Accountability Roles & Responsibilities: • Review and analyze fraud alerts, customer transactions, and account activity to identify potential fraudulent activity.  • Investigate suspected fraud cases by gathering, validating, and documenting information from internal systems, customers, and third-party sources.  • Make timely decisions to approve, deny, escalate, or resolve fraud cases based on established procedures and risk criteria.  • Monitor accounts for suspicious activity and take appropriate action to prevent or minimize customer and bank losses.  • Contact customers and business partners as needed to verify transactions, confirm fraud concerns, and provide case updates.  • Accurately document investigative findings, account actions, and case outcomes in designated

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