Fraud Analyst
Marqeta
full-time
Posted on:
Location Type: Remote
Location: United States
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Salary
💰 $82,600 - $121,400 per year
About the role
- 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
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
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
fraud investigationstransaction monitoringdata analysisfraud controls testingcase management systemsRegulation ERegulation Zchargeback processesfraud trend analysisdispute resolution
Soft Skills
analytical skillsproblem-solving skillsinvestigative skillscommunication skillscollaboration skills