Fraud Investigative Analyst

Role overview

Fremont Bank is hiring a Fraud Investigative Analyst in Livermore, CA to examine suspected and confirmed fraud situations, follow established procedures, and support fraud prevention efforts. The role centers on reviewing alerts, investigating transactions, identifying suspicious behavior, and helping shape rules that improve early detection.

What you'll do

• Assess suspected fraud and confirmed fraud cases in line with bank procedures.
• Review assigned transaction alerts carefully and determine whether any suspicious activity is present.
• Look for fraud-related risk and loss exposure, then recommend ways to reduce or prevent it.
• Reach out to clients by phone or email to verify transaction activity.
• Investigate information from internal records, KYC files, banker input, search engines, and public web sources.
• Write clear investigative summaries and other documentation to support decisions and recommendations.
• Escalate matters to Security when additional review or possible recovery is needed.
• Evaluate high-risk transactions for signs of fraud.
• Handle Reg E disputes and keep dispute records current in the Centrix Dispute Tracking System.
• Carry out the chargeback process while complying with chargeback rights.
• Apply Reg E requirements and issue provisional credit when appropriate.
• Prepare and send customer letters related to disputes.
• Submit transaction-block and merchant-block rules to limit fraudulent activity.
• Analyze fraud trends and patterns using Patterns.
• Perform other assigned duties as needed.

Required skills and experience

• Practical understanding of fraud and financial-crime research methods.
• Knowledge of fraud detection, prevention, and authentication approaches.
• Ability to juggle multiple tasks at the same time.
• Strong communication skills for working with clients and bank colleagues on risk and fraud matters.
• Understanding of state and federal banking compliance rules and card brand operating standards related to fraud analysis.
• Comfort using Microsoft Word, Excel, PowerPoint, Outlook, and Internet Explorer.
• Strong organization and communication abilities.
• Willingness to stay flexible as priorities change.
• Familiarity with Verafin, Fiserv banking software, MasterCard Connect, and DTS is preferred.
• Knowledge of check-clearing and adjustment rules is preferred.
• Knowledge of NACHA rules and regulations is preferred.
• Understanding of wire-related regulations and guidelines is preferred.
• Understanding of MasterCard rules and regulations is preferred.
• Knowledge of Regulation E processes is preferred.
• At least 3 years of risk management or fraud experience in the financial industry, or a 4-year degree with 2 years of related banking experience.

Additional information

This is a full-time, onsite position based in Livermore, California. The role requires managing dispute intake and recordkeeping accurately, supporting chargeback and provisional credit activities, and contributing to fraud-blocking controls.

Work authorization and fit

Candidates should bring relevant fraud or banking experience and be ready to work across investigation, customer communication, documentation, and compliance-related tasks.