At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Lead Fraud Control & Data Analyst

ACCOUNTABILITY STATEMENT

The Lead Fraud Control & Data Analyst primary role is to lead the development, maintenance and support the business analytics intelligence platforms across all fraud business units. This includes both investigations and plastics departments for fraud metrics.

The Lead Fraud Control & Data Analyst acts as the data steward ensuring the accuracy of Consumer Lending data with the highest level of confidence.

In collaboration with business process owners and LOB, the Lead Fraud Control & Data Analyst is responsible for analyzing transactions patterns and fraud trends across all channels. The goal is to develop effective fraud detection and prevention strategies based on fraud types within member segments. The analyst will also lead the identification, design, development, and implementation of business solutions, prioritizing efficiency gains with automation. Accountability extends to advancing operational processes, fostering a data-driven environment, and contributing to the overall excellence of fraud detection and measurements through strategic data management.

ESSENTIAL RESPONSIBILITIES

Project Management and Leadership: Lead the development and implementation of data & systems projects including defining the project’s objectives, delegating task to supporting team, setting and managing project timelines and ad-hoc investigations such as regulatory exams or SWOT analysis. Provide guidance and mentorship to junior analyst(s) on the team.
Strategic Planning: Work closely with leadership and management team to identify opportunities for leveraging data to drive business goals and objectives. This involves identifying key performance indicators (KPIs), developing data-driven strategies, and providing insights to support decision-making around long term and short-term initiatives.
Advanced Data Analysis: Conduct complex statistical analysis on predictive modeling techniques to detect, improve fraud reduction controls, report building and change impacts.
Data Governance and Quality Assurance: Work closely with the Data Governance team to establish data governance frameworks and ensure quality and integrity of reported fraud data, trends or suggest controls that are compliant with regulatory requirements.
Cross-functional Collaboration: Collaborate closely with stakeholders from various departments within the credit union, including IT, Marketing, Finance, Lending, Payments and Operations. Facilitate cross-functional meetings, communicate findings and recommendations effectively and translate technical insights into actionable business insights.
Continuous Process Improvement: Identify and define process improvement opportunities and control failures that contribute to the on-going enhancement of operational efficiency and recommend solutions.
Support for the VP Enterprise Authentication and Fraud: Assist the fraud enterprise desk in their responsibilities, demonstrating a collaborative and supportive approach for success.
Perform other duties and responsibilities as assigned.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

The Lead Fraud Control & Data Analyst is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job.

Focus Focus your full attention by carefully listening to and observing your client or member.
Connect Consistently be friendly and approachable. Demonstrate you care.
Understand Listen empathetically and ask questions. (70%/30%)
Counsel Recommend solutions based on your client’s or member’s needs and objectives.
Advance Ensure that member's expectations were exceeded.

Verify necessary follow-up action.

JOB QUALIFICATIONS

EDUCATION

High School Diploma or GED is required.
Bachelor’s degree in Computer Science, Mathematics, Statistics, Finance or business administration related field is preferred.

CERTIFICATION

Power BI Data Analyst certification is preferred.

EXPERIENCE

Minimum 5 years’ experience required in a financial institution.
Minimum 4+ years’ experience in system and data analysis is required with strong database and reporting experience.
Fraud investigations or fraud analytics background preferred.
Experience with a Lending or Loan Origination System is preferred.
Experience in business analysis, data mining and/or business intelligence is preferred.

KNOWLEDGE, SKILLS & ABILITIES

Proficient in Advanced Excel, PowerPoint, and Word required. Experience with SQL and Visio are preferred.
Problem-Solving: Strong analytical and problem-solving skills to identify and address complex data-related challenges, troubleshoot issues, and develop innovative solutions.
Effective Communication: Demonstrate proficiency in both verbal and written communication, showcasing the ability to articulate complex topics in a clear and concise manner suitable for a diverse range of audiences.
Continuous Learning: Committed to staying updated on emerging trends, technologies, and best practices in data analytics through self-directed learning, professional development opportunities, and participation in industry events and forums.
Regulatory Knowledge: understanding of relevant regulations and compliance requirements, such as Reg Z, Reg E, Reg CC, Fair Lending, AML and KYC preferred.
Payment Systems: knowledge of payments systems and cash transfer platforms preferred.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources