Risk Analyst

For people drawn to serving others through their work, PSCU is a place to thrive, as we serve our credit union members best by taking care of each other first.

If you want to help shape an industry, challenge yourself, and invest in your own future, this is the place for you. PSCU is a highly accessible environment where you’re empowered to think on your feet, work from your heart, and discover the very best version of your professional and personal self. “Our Momentum. Your Moment.”

This application is the first step in seizing your moment.

• Please note shifts are 4x10, nights and weekends required workdays most likely to be Wed-Sat. Position can be located at PSCU site or Remote.

The objective of this position is to ensure the timely analysis of all fraud situations impacting our Credit Unions by using effective analysis and strategies that are deployed to mitigate maximum fraud loss to our member-owners. This position is responsible and accountable for providing operational and technical risk assessments using Fraud Mitigation tools. A strong knowledge of analysis, design, and technology associated with all aspects of fraud mitigation strategies, call queue creation. Requires using quantitative methods to review data, increase efficiency and effectiveness, and productivity. The incumbent will be responsible and accountable for portfolios with potential fraud losses in the millions of dollars and be comfortable advising mid-level credit union staff on strategic decision methods. Under minimal supervision, this position is responsible for the identification, design, and implementation of effective fraud mitigation rules on behalf of all PSCU member-owner credit unions.

• Maintain extensive knowledge and serve as operational support between PSCU business units and member-owner credit unions by providing support of applications and systems used to mitigate fraud for debit and credit platforms.
• Conduct analysis and resolve complex issues, with limited supervision, leveraging various fraud tools, applications, and systems.
• Proficient understanding of all aspects of the Fraud Detection Work Center (FDWC) call queues and Virtual Analyst queues that correspond to DefenseEdge business rules/statements, ensuring an effective and holistic approach to fraud reduction on behalf of PSCU member-owner credit unions.
• Independently develop, implement, and continually enhance fraud detection strategies and authorization decision rules that balance fraud loss reduction and member experience.
• Serve as subject matter expert in all aspects of Fraud Detection. Ability to occasionally travel for onsite meetings with credit unions. Support our sales staff by participating in focus groups, conference calls, and WebEx sessions. Effectively interact with staff members, senior management, clients, and vendors.
• Independently perform research, analyze large amounts of data, and develop reports to monitor fraud losses and trends at credit union levels.
• Design and implement database queries via Business Objects, SAS, Crystal, and/or other internal databases. Analyze outcomes to identify fraud trends and reduce potential overall risk.
• Run compromise card events on behalf of PSCU member-owners.
• This position will be on call 24x7. May be required to work extra hours in cases of business needs and/or emergencies, critical work function demands disaster preparedness, operational work backlogs, or other circumstances as designated by the manager or senior management. This position may also be required to work occasional weekends & holidays in support of ongoing fraud prevention initiatives.
• Use quantitative methods to analyze data to mitigate overall credit union fraud losses while maintaining acceptable levels of member impact. Using various fraud tools, applications, and systems, develop, implement, and improve comprehensive fraud detection strategies and authorization decision rules that balance fraud loss reduction, costs, and customer experience.
• Effectively deployment of independent and critical thinking and timely, accurate analysis are crucial due to potential liability in fraud losses in the millions of dollars across all PSCU member-owner accounts.
• Perform research and analysis on Fraud queue data, making recommendations for greater effectiveness, lower false-positive rates, and department productivity gains.
• Perform research and analyze huge amounts of data to monitor fraud losses, track and trend at the company and individual credit union levels. Prepare reports and deliver to internal and external customers.
• Proactively detect and fix data problems to ensure data integrity. Work closely with PSCU Data Analytics team – providing feedback and servicing as subject matter authorities on fraud data.
• Communicate professionally and accurately with credit unions regarding identified fraud and recommendations associated with new channels of fraud mitigation and reduce fraud losses.
• Maintain positive vendor relationships.
• Self-directed individual must handle multiple responsibilities, prioritize daily job functions, and complete assigned tasks with adherence to crucial deadlines. Must communicate effectively with senior management, staff members, clients, and vendors.
• Develop and maintain strong relationships with other business units to ensure alignment in overall business outcomes. Work with internal business partners to improve the efficiency and effectiveness of the end-to-end process of member-owner risk/fraud detection and prevention.
• Create professional presentations as required for various fraud meetings and member-owner training functions. Ability to communicate via conference calls and deliver high-quality PowerPoint presentations via webinars and face-to-face meetings with internal staff and member-owners.
• Effectively facilitate and work on cross-functional teams and with all levels of management. Be a productive team leader/player and communicate effectively with management and team members.
• Maintain proficiency in domestic and international fraud tendencies and procedures and all fraud prevention, control, and detection systems.
• Industry training and continuing education that may require travel to conferences and participation in industry webinars, reviewing fraud trend websites and publications, and maintaining communication with industry peers.
• Perform other duties as assigned

• Bachelor’s Degree and/or a combination of education and relevant field experience required.
• Three (3) years within the financial service industry are required.
• Three (3) years of professional experience in risk management and/or fraud experience required. Payments processing system knowledge preferred.
• Experience with DefenseEdge, Falcon, Fraud Detection Work Center, and/or FDR or equivalent system software experience preferred.
• Project management experience preferred.
  

All applications are reviewed by an AIRS Certified Diversity and Inclusion Recruiter. Learn more about our commitment to Diversity, Equity, and Inclusion HERE!

PSCU is an Equal Opportunity Employer. We consider applicants without regard to race, color, religion, age, national origin, ancestry, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, veteran status, disability, genetic information, citizenship status or membership in any other group protected by federal, state or local law.

PSCU is an Equal Opportunity Employer that complies with the laws and regulations set forth in the following "EEO is the Law" Poster and the "EEO is the Law" Poster Supplement . PSCU will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the legal duty to furnish information.

For positions based out of our Phoenix, Arizona location, PSCU is an E-Verify Employer. Please click here for the E-Verify Poster in English or Spanish . For information regarding your Right To Work, please click here for English or Spanish .

As an ongoing commitment to reasonably accommodate individuals with disabilities, PSCU has established alternative methods to complete the application process. Disabled applicants needing assistance are encouraged to submit resumes via our careers page submission button If further assistance is required.