Fraud Detection Analyst

Requisition ID: 277724

At Tangerine, we’re redefining banking. As Canada’s leading digital bank, we thrive on innovation, agility, and bold thinking, tackling every challenge head-on with leading technology and the unstoppable power of collaboration.

Our client-obsessed teams deliver flexible, accessible banking solutions, breakthrough products, and award-winning service. Beyond banking, we’re committed to making an impact in the communities we serve and across our organization. We foster a culture built on integrity, inclusion, and fearless ambition – where diverse perspectives are valued, and people are empowered to do their best work.

Are you ready to disrupt the status quo? Do you crave challenges that push boundaries? If you’re a high performer looking to accelerate your career and reimagine the banking landscape, this is your moment.

Let’s shape the future of banking together!

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The Fraud Detection Analyst contributes to the overall success of the Tangerine Fraud Operations Team in Canada by detecting, investigating and mitigating potentially fraudulent activity across Tangerine products. The role helps minimize fraud losses and customer impact while supporting the Bank’s Fraud Plan, business objectives, risk culture, service standards, and compliance with governing regulations, internal policies and procedures.

Is this role right for you? In this role you will:

• Investigate questionable activity across Tangerine products, proactively contact customers and take appropriate action to prevent further fraudulent activity.
• Analyze alerts generated by fraud detection tools, assess the likelihood of fraud and determine whether accounts should be blocked or customers contacted to validate activity.
• Detect, investigate and mitigate fraudulent activity to minimize financial losses and customer impact.
• Investigate new Mastercard acquisitions to assess application risk and validity, and review ad hoc fraud application referrals.
• Respond to large-scale fraud events by collaborating with the team to identify potential points of compromise, affected Tangerine products and appropriate preventative actions.
• Identify, report and escalate emerging fraud trends and activities to management, sharing relevant information to support timely action.
• Communicate with other departments to resolve fraud-related inquiries, customer concerns and complaints, taking ownership of issues and supporting resolution at the first point of contact.
• Maintain appropriate records and markings for confirmed fraudulent applications to support monitoring and tracking.
• Support the Fraud inbound team as required and meet established service-level standards and performance expectations.
• Apply the Bank’s risk appetite and risk culture in day-to-day activities and decisions while maintaining effective operational, compliance, AML/ATF, sanctions and conduct-risk controls.
• Champion a customer-focused culture that strengthens client relationships while leveraging broader Bank relationships, systems and knowledge.
• Contribute to an inclusive, high-performance environment by participating in team and change initiatives, embracing new processes and technologies, and taking ownership of your ongoing development.

Do you have the skills that will enable you to succeed in this role? 

• You have a high school diploma or equivalent.
• You have customer service experience, preferably within the financial services industry.
• You have strong analytical and critical-thinking skills, attention to detail, and the ability to recognize risk and make effective decisions.
• You have proven interpersonal, verbal and written communication, active listening and problem-resolution skills.
• You are comfortable working in a fast-paced environment and navigating multiple applications and systems.
• You have working knowledge of basic PC applications, including Microsoft Word and Microsoft Excel.
• You are able to work fixed shifts in a hybrid environment, including outside standard hours and on Statutory/General holidays, based on business needs. The department operates Monday through Sunday, 8:00 a.m. to midnight, with operating hours subject to change.
• You are comfortable using a headset as part of your regular work.
• It would be an asset if you have previous Retail Banking and/or Advice/Call Centre experience.
• It would be an asset if you have post-secondary education in business or another related discipline.
• It would be an asset if you have working knowledge of application systems supporting debit and credit card and alternate delivery channel products, including TSYS, PRM, Citadel, DAWT and TCS.
• Roles may be bilingual or unilingual based on customer and business needs.

What’s in it for you?

• A rewarding career path with diverse opportunities for professional development
• An organization committed to making a difference in our communities – for you and our customers.
• A competitive rewards program includes annual bonus, flexible vacation, personal and sick days, and comprehensive benefits that start on your first day. 
• Diversity, Equity, Inclusion & Allyship - We strive to create an inclusive culture where every employee is empowered to reach their fullest potential, respected for who they are, and are embraced through bias-free practices and inclusive values across Scotiabank. We embrace diversity and provide opportunities for all employees to learn, grow & participate through our various Employee Resource Groups (ERGs) that span across diverse gender identities, ethnicity, race, age, ability & veterans.
• Accessibility and Workplace Accommodations - We value the unique skills and experiences every individual brings to the Bank and are committed to creating and maintaining an inclusive and accessible environment for everyone. Scotiabank continues to locate, remove and prevent barriers so that we can build a diverse and inclusive environment while meeting accessibility requirements. 

Location(s): Canada : Ontario : Toronto

At Tangerine we value the unique skills and experiences each individual brings to the team, and are committed to creating and maintaining an inclusive and accessible environment. If you require accommodation during the recruitment and selection process, please let our Recruitment team know.