Authentication Fraud Strategy Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Authentication Fraud Strategy Analyst is responsible for analyzing, developing, and optimizing enterprise authentication fraud strategies that protect customers, reduce fraud losses, and deliver a seamless digital experience. This role leverages advanced analytics, fraud intelligence, and customer behavior insights to evaluate authentication performance, identify emerging risks, and recommend strategic enhancements across authentication controls, models, and vendor solutions.

As a key member of the Authentication Fraud Strategy team, the analyst partners with Fraud Strategy, Digital, Operations, Technology, Risk, and external vendors to drive data-driven decision making, support strategic initiatives, and enhance authentication effectiveness across the customer journey. The role translates complex analytical findings into actionable business recommendations, balancing fraud risk mitigation, customer experience, operational efficiency, and enterprise governance objectives.

The ideal candidate is a highly analytical problem solver with experience in fraud analytics, authentication, identity risk, or digital fraud prevention who can independently lead complex analyses and influence strategic outcomes across the organization.

Key Responsibilities

• Lead the analysis, development, and optimization of enterprise authentication fraud strategies to reduce fraud losses while delivering a seamless customer experience.

• Analyze authentication performance, fraud outcomes, customer journeys, and control effectiveness to identify risks, trends, and opportunities for improvement.

• Conduct complex root-cause analyses of authentication failures, account takeover events, fraud losses, customer friction, and emerging fraud threats to drive strategic recommendations.

• Develop and maintain analytical frameworks, performance metrics, and monitoring capabilities to measure authentication effectiveness, fraud prevention outcomes, and customer impact.

• Partner with Fraud Strategy, Digital, Operations, Technology, Risk, and Product teams to prioritize, execute, and evaluate authentication initiatives and strategic enhancements.

• Collaborate with model development, model ownership, model governance, and validation teams to support authentication model performance assessments, feature analysis, implementation readiness, and ongoing monitoring.

• Evaluate third-party vendors, authentication solutions, fraud tools, and identity verification capabilities, providing data-driven recommendations on effectiveness, value, customer impact, and strategic fit.

• Identify, quantify, and prioritize opportunities to improve fraud detection, reduce customer friction, enhance authentication accuracy, and optimize operational performance.

• Translate complex analytical findings into clear, actionable, and executive-ready recommendations that support strategic decision-making and investment prioritization.

• Monitor emerging fraud trends, authentication risks, industry developments, and evolving customer behaviors to identify new threats and opportunities for innovation.

• Ensure analytical rigor and compliance with enterprise governance, privacy, model risk management, regulatory requirements, and data quality standards.

• Lead and influence cross-functional initiatives by serving as a trusted advisor and subject matter expert on authentication fraud risk, authentication strategy, vendor capabilities, and fraud analytics, driving measurable business outcomes across the enterprise.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience

• Typically more than eight years of applicable experience

Preferred Skills/Experience

• Strong problem-solving skills and ability to find solutions independently

• Expert quantitative analytical skills with commensurate ability to summarize and present insights to leaders

• 5+ years SQL and/or SAS experience; R / Python a plus

• 5+ years business intelligence analysis within banking, financial services, or related industry

• Proficient understanding of fraud, authentication, identity validation or other aspects of risk management

• Excellent presentation, interpersonal, written and verbal communication skills

• Enthusiasm for solving complex problems that mitigate fraud risk while delivering a seamless customer experience

This role requires adept quantitative analytical skills, along with a team-first approach and keen ability to develop strong working partnerships with internal and external stakeholders, highly effective communication skills with senior-level colleagues and management and the ability to work independently with a strong bias towards action and problem-solving.

LOCATION EXPECTATIONS: This role requires working from a U.S. Bank Location three (3) or more days per week.

NOTE: This position is not eligible for current or future visa sponsorship.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.