Fraud Analyst

Who We Are:

Payments, Orchestrated.

Chattanooga-based Transcard offers comprehensive global payment orchestration solutions for banks, fintechs, and businesses. Our embedded payment solutions enable seamless transactions, collaboration, and data sharing with customers and suppliers worldwide. Features include disbursements, receivables, account-to-account payments, cross-border payments, AI insights, and supply chain financing.

Transcard’s solutions combine multi-rail capabilities, embedded workflows, system of record integration, effortless reconciliation, and bank-grade security to support B2B and B2C payments for businesses of all sizes. Streamline financial operations with digital payments, monitor real-time activity, reduce fraud risk, and improve customer and vendor experience with an all-in-one payment portal.

Position Details:

This is a full-time role working standard business hours of 9:00 AM – 5:00 PM EST, Monday to Friday, with an additional one hour of evening work required at least three nights per week to assist with priority fraud queues and case coverage.

While this is a remote position, preference will be given to candidates based near our Chattanooga, TN office for occasional in-person meetings, collaboration, or training.

We are seeking a team member who is keen to progress in a fintech and/or fraud/risk career path, with opportunities for increased exposure, skill development, and cross-team collaboration over time.

Compensation will be based on qualifications and relevant experience.

Location: 

This is a REMOTE opportunity in the United States. Candidate must reside in the US and be work authorized. We are unable to offer visa sponsorship.

Our corporate office is located in Chattanooga, TN. Commuting distance to downtown Chattanooga, TN is strongly preferred.

Benefits:

Transcard offers benefits starting the first of the month following the month of hire (Medical, Dental, & Vision, 401(k) Match!, Paid Time Off, Life-Disability Insurance, and more)

Please apply and see more job requisitions at:

https://www.transcard.com/careers

Essential Duties and Responsibilities:

The Fraud Analyst will play a key role in managing high-volume  fraud alert queues and performing analytical reviews to detect and document  suspicious activity across multiple payment channels. This role focuses on  hands-on case investigation, processing ACH name-match queues, cohort  analysis, and MID block monitoring. The Analyst will compile clear and concise  reports for senior fraud team members and work closely with Operations and  Compliance to ensure timely, accurate, and audit-ready case handling.

· Case Management: Review, investigate, and resolve a high volume of monthly alerts from internal detection systems and external sources (Visa, Mastercard, Pulse, ACH, open banking feeds).

· Queue Processing: Manage daily ACH name-match queues; document outcomes and flag anomalies for senior review.

· Data Analysis: Perform cohort analysis and MID block monitoring to identify emerging fraud trends.

· Reporting: Compile and deliver summary reports highlighting volumes, patterns, and changes in fraud activity.

· Data Extraction: Use SQL, Excel, and reporting tools to pull and analyze transaction data to support case resolutions and trend identification.

· Documentation: Maintain accurate, audit-ready notes and categorization for every case worked.

· Collaboration: Share findings with Fraud, Operations, and Compliance teams to assist with ongoing fraud prevention measures.

· 2–4 years’ experience in fraud case management or transaction monitoring within fintech, banking, payments, or card issuing/acquiring.

· Demonstrated ability to manage high-volume alert queues (100+ cases/day) accurately and within SLA.

· Intermediate Microsoft Excel skills (pivot tables, VLOOKUP/INDEX-MATCH, filters, basic formulas).

· Basic SQL skills for querying and filtering transactional data.

· Familiarity with card scheme alerts (Visa, Mastercard, Pulse).

· Understanding of common payment fraud typologies (account takeover, synthetic ID, friendly fraud, etc.).

· Strong attention to detail with clear, concise documentation for audit purposes.

· Effective written and verbal communication skills for summarizing case outcomes.

Desired Qualifications:

· Familiarity with open banking or API-based payment environments.

· Exposure to dashboard/reporting tools (Power BI, Tableau, Looker).

· Knowledge of BSA/AML/OFAC requirements in a fraud investigation context.

· Experience with fraud case management platforms and working across multiple systems.

· Awareness of fraud metrics (false positive rate, alert aging, closure rate).

The above statements are intended to describe the general nature and level of work performed by people assigned to this classification. They are not intended to be a complete list of duties performed.

No resumes from 3rd party vendors will be accepted at this time.