Fraud Investigation Analyst

Role Overview

We are looking for a Fraud Monitoring Analyst to join our team and serve as a key line of defense in detecting and preventing fraudulent activities. In this role, you will actively monitor transactions, identify suspicious behavior, and take immediate action to protect our customers.

You will be responsible for real-time fraud monitoring, investigation of alerts, dispute resolution, and support for Account Takeover (ATO) cases. Your ability to assess risk, make sound decisions, and escalate concerns promptly will be critical in minimizing potential fraud exposure.

This position involves working independently, including during off-hours or weekend shifts, while strictly following established risk controls, escalation procedures, and governance standards. Success in this role requires strong analytical skills, attention to detail, sound judgment, and a high level of accountability.

Core Qualifications:

• With 1–2 years of experience in fraud, risk, or investigations, preferably in:
• Transaction monitoring
• Payments or card services
• Dispute or case management
• Account Takeover (ATO) investigations
• At least 1 year of experience in an operations or monitoring environment, handling real-time dashboards, alerts, or queue-based workflows
• Minimum 2 years of experience working independently, demonstrating sound judgment and decision-making within established guidelines and controls

Preferred Background:

• Experience in financial services, payments, or fraud/consumer risk operations
• Comfortable working in a 24/7 or shifting schedule environment
• Familiar with escalation processes, SLAs, and documentation standards in regulated industries

• Strong analytical skills with the ability to identify unusual patterns, trends, and anomalies
• High attention to detail with strong documentation discipline
• Sound risk judgment, including knowing when to take action and when to escalate
• Comfortable working with:
• Monitoring dashboards and alerting tools
• Case management and dispute resolution workflows
• Excellent written communication skills, particularly for:
• Investigation summaries
• Trend analysis and reporting
• Executive or leadership updates

• Monitor real-time dashboards to identify suspicious activity and potential fraud indicators
• Investigate alerts and assess the legitimacy of transactions
• Conduct thorough transaction dispute investigations
• Handle Account Takeover (ATO) cases, ensuring clear documentation for handoff and escalation
• Escalate potential fraud risks promptly to Fraud Leadership
• Prepare regular monitoring summaries, trend reports, and key risk call-outs
• Maintain accurate, detailed, and audit-ready documentation for all investigations

• Market Competitive Pay Levels
• Retirement Plan
• Medical Plan (HMO) from Day 1 of employment
• Dental, Medical, and Optical Reimbursements
• Life and Disability Insurance
• Paid Time-Off Benefits
• Sick Leave Conversion
• Tuition Fee Reimbursement
• Employee Assistance Program (EAP)
• Annual Performance Based Merit Increases
• Employee Recognition
• Training and Staff Development
• Employee Referral Program
• Employee Volunteerism Opportunity
• All Mandatory Statutory Benefits

• Optum is the health care technology and innovation company of the UnitedHealth Group enterprise along with UnitedHealthcare.
• UnitedHealth Group is a health care and well-being company with a mission to help people live healthier lives and help make the health system work better for everyone.
• We’re a leading health solution and care delivery organization. Our work is complex, but our mission is simple: create a healthier world, with you at the center.
• As part of a Fortune 5 enterprise, we are improving the health care experience of over 125 million people around the world.
• We’re a diverse team with operations across North America, South America, Europe, Asia Pacific and the Middle East. This includes our over 25,000 employees in the Philippines.
• Elevate your career with a leading health care company while improving lives.

Join us in evolving health care so everyone can have the opportunity to live their healthiest life. This is your opportunity to be part of a team that’s dedicated to Caring. Connecting. Growing together.