Fraud Monitoring Analyst

Job Description

Role Overview

The Fraud Monitoring / Analyst role supports the Optum Financial Consumer Fraud Team and serves as a first line of defense in identifying and responding to suspicious member and transaction activity. The analyst will provide active monitoring, conduct investigations, support disputes and ATO cases, and escalate risks in real time to ensure fraud exposure is contained.

This role is designed for independent execution, particularly during off hour or weekend coverage, while operating within clearly defined escalation and governance frameworks.

Job Responsibilities:

• Monitor real time dashboards for suspicious activity and fraud indicators
• Investigate alerts and determine legitimacy of transactions
• Conduct transaction dispute investigations
• Handle ATO case investigations and document findings for handoff and escalation
• Escalate potential fraud risks to Fraud Leadership in a timely manner
• Prepare monitoring summaries, trends, and call outs as needed
• Maintain accurate, audit ready documentation for all cases

Job Qualifications:

• 1–2 years of fraud-related experience, preferably in:
• Transaction monitoring
• Payments or card services
• Dispute case management
• ATO (Account Takeover) investigation
• At least 1 year in an operational monitoring environment, involving real time dashboards, alerts, or queue based work
• 2+ years working independently with minimal supervision, making judgment based decisions within defined controls

• Experience in financial services, payments, or consumer fraud operations
• Exposure to 24x7 or non standard shift environments
• Familiarity with escalations, SLAs, and documentation requirements in regulated environments

• Strong analytical skills to identify unusual patterns, trends, and anomalies
• High attention to detail and documentation discipline
• Sound risk judgment, knowing when to act vs when to escalate
• Comfortable working with:
• Dashboards and alerting tools
• Case or dispute management workflows
• Clear written communication for:
• Investigation summaries
• Trend reporting
• Executive or leadership call outs

• Laptop/Computer Provided by the Company
• Market Total Rewards Package
• 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.
• 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.

• Cafeteria, Annual leaves, Rewards & recognition, Retirement benefits