Sobre este puesto de Fraud Risk Analyst – US Banking & Payments en Zeta
About Zeta
Build the future of banking.
Zeta is a next-generation banking technology company providing cloud-native, fully stackable processing and core banking platforms for issuers. With a focus on scalability, compliance, and innovation, Zeta empowers financial institutions to modernize their technology infrastructure and deliver secure, seamless digital banking experiences.
Our impact runs at real-world scale. Today, over 25 million cards are live on Zeta-powered platforms across 7 countries, supported by a passionate team of 1,700+ Zetanauts across India, the US, EMEA, and Asia. Backed by SoftBank Vision Fund, Mastercard, and other reputed strategic investors, we reached a valuation of $2 billion in 2025.
Our focus is on establishing product lines that focus on key outcomes by addressing real customer pain points, modernizing legacy systems, and strengthening core fundamentals. As a result, our systems and platforms support a wide range of banking and payments capabilities, including:
1. Tachyon, our cloud-native banking stack built for population-scale systems
2. Cipher, our unified authentication platform for secure, high-volume banking environments
3. Digital Credit as a Service, enabling banks to launch credit lines on UPI
4. Elena, our intelligent and conversational AI platform for banking
5. Pixel, India’s first digital-native credit card, launched in partnership with HDFC Bank, for whom we also revamped their PayZapp mobile app: Winner of the Celent Model Bank Award for Payments Innovation 2024
6. Sparrow, the leading card experience for non-prime cardholders in the US…and more across cards, payments, lending, and core banking.
We are an engineering-first organization that values ownership, bias for action, and long-term thinking. Together, we solve some of the hardest problems in banking tech. Our culture is built around trust, collaboration, and creating the conditions for you to drive impact proportionate to your potential. Reinforcing our commitment to creating an inclusive and supportive workplace, we have been consistently recognized as a Great Place to Work.
If you want to build cutting-edge banking tech that enables banks to serve millions reliably, securely, and at a population scale, Zeta is your playground.
If you would like to learn more about how we have grown and evolved over the years, watch our journey here. You can also explore our website and follow us on LinkedIn, Instagram,YouTube, and X.
About the Product
Zeta is building a new consumer banking product for the US market. The focus is learning fast which features drive adoption, engagement and retention — and building them well.
Key Responsibilities
•Monitor and investigate suspicious activity across debit card transactions, account opening, ACH transfers, and other money movement activities.
•Investigate first-party fraud, third-party fraud, account takeover, identity fraud, unauthorized transactions, scams, and suspicious movement of funds.
•Identify friendly fraud, first-party misuse, and dispute abuse, including potentially fraudulent claims of unauthorized transactions, transaction disputes, and chargebacks.
•Analyze transaction data, customer behavior, device intelligence, account relationships, and historical fraud patterns to identify anomalies and emerging threats.
•Use investigation outcomes and transaction data to develop new fraud detection rules, improve existing rules, and retire redundant or ineffective rules.
•Continuously evaluate fraud controls to improve detection rates, reduce fraud losses, and minimize false positives and unnecessary declines of legitimate transactions.
•Track key fraud metrics, including fraud losses, dispute and chargeback trends, detection effectiveness, false positives, and investigation turnaround times.
•Conduct root-cause analysis of fraud incidents and collaborate with Product, Engineering, Operations, and banking partners to strengthen preventive controls.
•Maintain clear investigation records, supporting evidence, case outcomes, and escalation documentation.
Required Qualifications
•4–6 years of experience in fraud investigation, fraud operations, payment risk, or fraud analytics.
•Strong understanding of first-party and third-party fraud, friendly fraud, dispute abuse, card fraud, account takeover, and payment fraud.
•Knowledge of US payment systems, including debit card transactions, card disputes and chargebacks, ACH, and account-to-account money movement.
•Strong analytical skills, with the ability to identify patterns, investigate complex cases, and translate findings into actionable fraud controls.
•Proficiency in SQL and experience analyzing transaction data using spreadsheets, dashboards, or similar tools.
•Strong problem-solving, communication, and documentation skills.
Preferred Qualifications
•Experience with fraud detection platforms, transaction monitoring systems, or case management tools.
•Experience in a US-focused fintech, neobank, digital bank, or card issuing business.
•Experience designing and tuning fraud rules, analyzing dispute trends, and improving fraud detection strategies.
•Familiarity with card authorization, settlement, ACH return codes, and US consumer dispute processes.
•Experience with Python or automation for fraud analytics.
