Job details

Risk Analyst

Join the people helping people.

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.

PSCU is a proud recipient of the

2023 Gallup Exceptional Workplace Award

and has been named to the

Forbes list of America’s Best Midsize Employers 2023

! These recognitions reflect the strength of our culture and core values, which help PSCU grow, evolve and foster a highly engaged workforce.

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.

The objectives of this position is to ensure the timely analysis of all fraud situations impacting our Financial Institutions by using effective analysis and strategies that are deployed to mitigate maximum fraud loss to our memember-owners. Under minimal direction the Risk Analyst is responsible and accountable for providing operational risk assessments of the fraud mitigation tools, with a strong emphasis on analysis, design, and technology associated with all aspects of fraud mitigation strategies, call queue creation, monitoring, support, and management using quantitative methods to review data and increase efficiency, productivity and effectiveness. This position interacts directly with senior-level management both at the financial institution and within PSCU. This position will coordinate communication with the FDWC, PSCU Service Centers, multiple internal departments, and 3rd party vendor personnel on a regular basis.

Essential Functions & Responsibilities

Maintain extensive knowledge and serve as an operational support between PSCU business units and member-owner financial institutions 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, demonstrating 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 financial institutions.
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, participate in focus groups and conference calls and manage multiple projects simultaneously.
Independently perform research, analyze large amounts of data to monitor fraud losses and trends at financial institution levels.
Manage compromise card events on behalf of PSCU member-owners.
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 in order to mitigate overall financial institution fraud losses while maintain 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.
Possess independent critical thinking and timely accurate analysis are essential to reduce potential liability in fraud losses in the millions of dollars across all PSCU member-owner accounts.
Perform research and analyze of fraud data, making recommendations for greater effectiveness, lower false-positive rates, and department productivity gains. Prepare reports and deliver to internal and external customers.
Communicate professionally and accurately with financial institutions regarding identified fraud and recommendations associated with new channels of fraud mitigation and reduce fraud losses.
Self-directed individual must lead 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 the need arises 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.

Position Specifications

Bachelor’s Degree in Business Administration or related field or equivalent combination of education and experience required.
Five (5) years within the financial service industry are required.
Three (3) years of professional experience in risk analytics, mitigating risk and/or fraud services required.
Must have experience in fraud mitigation and rule writing
Payments processing system knowledge preferred.
Experience with third-party vendor systems software preferred. Project management experience preferred.

Schedule

4 X 10 (Wednesday - Saturday) schedule preferred with some flexibility

Knowledge, Skills, & Abilities

Demonstrate behaviors based on PSCU values: Excellence, Innovation, Leadership, Passion, Trust and Diversity, Equity, & Inclusion
Ability to work a flexible schedule to meet the needs of the business
Ability to exercise discretion and good judgment in making decisions, act independently and effectively on complex problem resolution, determine required resources, and communicate client direction to all stakeholders
Ability to communicate effectively, positively, and professionally at all levels with credit union operational staff and executives as well as internal support teams and leaders; Ability to build and maintain strong relationships
Proficiency in Microsoft Office applications, internet browsers, linked data analysis, Project management approaches, and Fiserv processing platforms
Minimal travel may be required
Ability to be flexible and work under high pressure in a complex environment

Pay Equity

PSCU is committed to pay equity and a competitive benefits package. The hiring amount for this position based on relevant experience and internal equity; the pay range is:

$47,700.00

$76,300.00

Note: The amount shown is based on full time annual salary and would be prorated based on role.

In addition this position is eligible for an incentive plan, based on performance.

Benefits

At PSCU, everything we do recognizes the fact that our employees are our most important asset. That’s why we are committed to a work/life integration that goes above and beyond to ensure that you have quality time at home with your family and/or to pursue outside interests and aspirations. We back this up with generous PTO, the opportunity to work remotely, flexible scheduling, and a management team that understands how to adjust when the unexpected curveballs of life happen.

Check out the comprehensive benefits PSCU has to offer that further solidifies our reputation as a company that just “gets it” when it comes to balancing life’s planned and unplanned events while equipping you with all the tools for growth.

PSCU offers:

Beautiful, state-of-the-art campus
Endless opportunities for advancement
Competitive wages
Generous paid time off and paid holidays

Our benefits package includes:

Medical with telemedicine, no-cost diabetes supply program, and expert medical opinion services
Dental and Vision
Basic and Optional Life Insurance
Company Paid Disability Insurance
401k (with employer match)
Health Savings Accounts (HSA) with company provided contributions
Flexible Spending Accounts (FSA)
Supplemental Insurance
Legal Plan
Pet Insurance
Adoption Assistance Plan
Mental Health and Well-being: Employee Assistance Program (EAP)
Mental health and Well-being: Virtual mental health support and resources
Tuition Reimbursement
Wellness program
Back-up child care program
Benefits are subject to generally applicable eligibility, waiting period, contribution, and other requirements and conditions.

PSCU is committed to health and safety of all who enter our workplace. If this position requires you to report onsite at a PSCU location, employee attentiveness and cooperation with PSCU Employee Safety Workplace Protocols is critical.

Please Note: For roles with certain levels of travel and/or company car usage, PSCU will require a completed Motor Vehicle Record Check, valid driver's license, and proof of insurance at time of hire and annually.

All applications are reviewed by an AIRS Certified Diversity and Inclusion Recruiter.

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.

PSCU is an E-Verify Employer. Review the E-Verify Poster

here

(English and Spanish). For information regarding your Right To Work, please click

here

(English and Spanish poster).

As an ongoing commitment to reasonably accommodate individuals with disabilities please contact a recruiter at

recruiters@pscu.com

for assistance.