Sr Analyst, Credit Card Fraud Strategy

1 week ago

Charlotte, United States OneMain Financial Full time

Location: Charlotte, NC (Preferred) or Wilmington, DE

OneMain is seeking a Sr Fraud Strategy Analyst with experience in financial services, preferably banking or lending products. We are looking for someone who understands the fraud cycle of prevention, detection, remediation and investigation. The candidate should be informed about the current retail fraud landscape and comfortable interpreting and leveraging data to support their recommendations.   

In the Role

  • Understand and support loss prevention efforts against various fraud threat vectors within digital credit card originations, including 1st and 3rd party fraud and Synthetic Identity. 
  • Support the efforts to define target state and develop a roadmap of appropriate fraud controls for credit card originations and customer-facing channels, including the IVR, call center, online banking, mobile app, and digital wallets, balancing fraud prevention and customer experience. 
  • Consistently assess the performance of existing fraud prevention tools and identify opportunities for upgrading the tools. 
  • Conduct High-dollar case reviews to identify control gaps and track remediation efforts for key findings.
  • Perform link analysis within the credit card portfolio and build appropriate alerting / reporting for monitoring trends to identify emerging anomalies that could be indicative of fraud events. 
  • Develop fraud detection strategies and monitor strategy performance. 
  • Build and deploy fraud rules in production systems. 
  • Identify, verify and analyze data defects/issues and communicate with appropriate teams to determine the root cause for issue resolution. 
  • Execute ad-hoc data process jobs to enhance fraud prevention efforts. 

Key Characteristics:

  • Understanding of fraud controls required for credit card acquisitions and account takeover prevention. 
  • Ability to extract insights from data using SQL 
  • A high degree of comfort drawing well-supported insights from complicated datasets and performing a risk/reward trade-off analysis to influence and convey their point of view to management. 
  • Ability to work in a fast-paced, ever-changing environment and to juggle an array of tasks on tight timelines. 
  • Proactive and organized – a high degree of comfort managing multiple stakeholders and team members; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results. 
  • Innovative and capable of developing a highly analytical approach to solving problems. 
  • Ability to work independently and within a team setting with minimal direction/supervision. 

Requirements

  • Bachelor's degree in a quantitative field study (mathematics, statistics, economics, data science, or engineering). 
  • 3+ years’ experience in analytics and fraud policy/strategy roles within financial services fraud risk management. 
  • Knowledge and expertise of fraud management tools and techniques for digital account originations and / or account takeover protection (preferred experience with near/sub-prime products). 
  • Fraud strategy and analytics experience with developing fraud detection strategies and monitoring strategy performance. 
  • Proficient knowledge of Microsoft Excel/PowerPoint. Comfortable with pivot tables for data slicing and presentation 
  • Strong communication, interpersonal, and negotiation skills to gain trust and achieve business objectives. 
  • Experience within a Fintech company is a plus. 

Preferred:

  • Ability to leverage SAS, Python (Pandas, NumPy) etc. data packages for analytical purposes 
  • Ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology. 

Who we Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, we’ve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, we’re committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. There’s never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. That’s why we’ve packed our comprehensive benefits package for full- and some part-time employees with:

  • Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
  • Up to 4% matching 401(k) 
  • Employee Stock Purchase Plan (10% share discount) 
  • Tuition reimbursement 
  • Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
  • Paid sick leave as determined by state or local ordinance, prorated based on start date
  • Paid holidays (7 days per year, based on start date)
  • Paid volunteer time (3 days per year, prorated based on start date)

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