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About the Role
The Junior Payment and Fraud Analyst role is designed for individuals interested in building a career in fraud prevention, payments, and risk management. This position involves working closely with the Payment and Fraud team to protect the bank and its customers from fraudulent activity, while also supporting secure and efficient payment operations. The role offers hands-on exposure to digital banking, payment systems, fraud detection tools, and the regulatory environment within financial services. It is an excellent opportunity for analytical, curious, detail-oriented individuals eager to learn and develop the skills necessary for growth within the Payment and Fraud team.
Responsibilities
- Monitor daily payment activity across ACH, debit card, and other payment channels for unusual or suspicious activity.
- Review alerts generated by fraud monitoring systems and escalate potential fraud concerns to senior team members.
- Assist with customer account reviews, investigations, and fraud case documentation.
- Support the team in identifying suspicious transactions, payment anomalies, and other fraud indicators.
- Maintain accurate records of fraud investigations and case outcomes.
- Help gather data and information needed for investigations, audits, and compliance reviews.
- Support Know Your Customer (KYC) and Know Your Business (KYB) review processes when applicable.
- Communicate professionally with internal teams regarding fraud-related issues and operational needs.
- Provide enhanced due diligence and escalated investigations for high-risk funds transfers.
- Provide investigation, documentation, and decisions for customer payment disputes and chargebacks.
- Learn and use fraud detection tools, case management systems, and reporting platforms.
- Assist with testing and implementation of new fraud controls, alerts, workflows, and processes.
- Identify opportunities for process improvements and share recommendations with the team.
- Stay informed on emerging fraud trends and participate in ongoing training and development opportunities.
- Perform other duties and special projects as assigned.
Requirements
- High school diploma or equivalent required.
- 1-2 years of experience in banking, financial services, fraud prevention, risk management, payments, customer service, operations, or related fields.
- Internship experience in financial services, payments, compliance, fraud, or data analysis is a plus.
- Customer service, contact center, banking operations, or payment processing experience is highly valued.
- Interest in fraud prevention, financial crimes, payment systems, and risk management.
- Exposure to SQL, reporting tools, or data visualization platforms is a plus.
- Excellent organizational and time management skills.
- Dependable, accountable, and eager to learn from feedback.
Skills
- Fraud prevention
- Payments
- Risk management
- Transaction monitoring
- Fraud investigations
- Customer reviews
- Account reviews
- Case documentation
- Reporting
- Operations support
- Digital banking
- Payment systems
- Fraud detection tools
- Regulatory environment
- Analytical skills
- Detail-oriented
- SQL
- Reporting tools
- Data visualization
- Organizational skills
- Time management skills
Location
- Austin, Texas
Work Type
- Onsite
Experience Level
- Junior
- 1-2 years
Education Level
- High school diploma or equivalent
Benefits
- 100% Employer-paid Medical, Dental, & Vision Insurance
- Generous Paid Time Off (PTO)
- Paid Holidays
- 401(k) with 4% Employer Match
- Monthly Chair Massages
- Consistent Schedules & Work-Life Balance
- Opportunities to Grow
- Career development
- Tuition assistance
About the Company
- Austin Capital Bank creates financial products and services that enhance customers’ financial well-being.
- The company is committed to creating meaningful user experiences and maintains a start-up spirit while growing rapidly.
- Austin Capital Bank is recognized as one of the fastest-growing companies nationally and in Central Texas.
- The bank operates with an entrepreneurial, profitable approach, expanding into new digital markets and product categories.
- The company values teamwork, initiative, humility, honesty, and emotional intelligence.