Published on

Jun 15, 2024

Published on

Jun 15, 2024

Published on

Jun 15, 2024

Published on

Jun 15, 2024

Sr. Process Analyst, Fraud Prevention and Investigations

Sr. Process Analyst, Fraud Prevention and Investigations

Sr. Process Analyst, Fraud Prevention and Investigations

Sr. Process Analyst, Fraud Prevention and Investigations

Full-time

/

Eden Prairie, MN

/

Remote

Full-time

/

Eden Prairie, MN

/

Remote

Full-time

/

Eden Prairie, MN

/

Remote

Full-time

/

Eden Prairie, MN

/

Remote

About the job

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

Optum Financial’s industry-leading S3® payments platform is integrated at 60,000+ retail locations and supports some of the largest benefits and rewards programs in the world by offering value to consumers and directing the spending of funds to approved health-enhancing products and services. This advanced technology has led to Solutran’s rapid ascent to market leadership in healthcare benefits and has broader applicability across numerous other industries.

Working within a FinTech powerhouse, Optum Financial team members enjoy a culture of performance and collaboration, along with the resources and technology of a Fortune 5 company that comes with being a part of the UnitedHealth Group family of businesses. Our teams work in close partnership with the largest and most forward-thinking companies in America including Amazon, Uber, Humana, General Mills, Kroger, UnitedHealthcare, Walmart, Walgreens and more.

A major component of our mission to create transformative healthcare payment experiences involves the ability to provide a seamless member experience at the point of sale. We are looking for an experienced fraud analyst to drive our fraud and dispute operations strategy forward, establishing frameworks and processes to drive detection, intervention and resolution, as well as ensure compliance with legal and cyber regulations.

You will be in the driver's seat, working with a team tasked with strengthening fraud prevention and investigation methodologies, establishing comprehensive transaction monitoring and performance reporting, and deploying comprehensive governance structures. In this role, you’ll partner with skilled counterparts across the organization to formulate, ideate, research, discover, and execute against the processes that enable the team to effectively grow and scale to support millions of members, billions in annual spend and over a dozen unique benefits nationwide.

The right candidate is someone who can “think big” while diving deep, remain flexible to change, and someone with a passion for innovation and operational excellence.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities

Partner with legal and compliance teams to establish and deploy a comprehensive fraud identification, management and prevention program, formalizing processes, tools, and resources to address fraud across a multi-billion dollar payments networkManage to key performance measures to ensure effective investigation, prevention and analysisIdentify and take action against emerging fraud trends, working in partnership with security, legal and compliance teams to ensure processes meet and exceed industry standardsConduct regular risk assessments, documenting areas of potential exposure areas across the platform and network, and holding cross-functional partners accountable to remediating and strengthening platform infrastructureDevelop and document fraud and dispute management workflows, ensuring the organization follows industry best practices and cross-functional stakeholders are aligned and engaged in executingLeverage best-in-class methodologies for problem resolution and real-time, continuous production monitoring, proactively addressing defects or network issuesPartner with client and retailer teams to navigate fraud issues, assessing impact to clients and internal stakeholders and supporting communicationAlign and coordinate with core leaders and stakeholders across Product, Retail Operations, Network Engineering, Legal/Compliance and other key stakeholders to drive process and platform improvements that advance transaction decisioning integrityProduce regular executive reporting for senior management

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications

5+ years of experience in consumer fraud prevention, identification and investigation across financial services3+ years of deep subject matter expertise in fraud trends, data analytics, fraud investigation3+ years of experience with NACHA, consumer card-related fraud, AML and OFAC regulatory frameworks2+ years of experience with SQL analysis, Microsoft Office and other related tools

Preferred Qualifications

Experience establishing reporting, defining KPIs and ensuring adherence to SLAsProven ability to influence, prioritize and execute improvement initiatives with a sense of urgencyProven excellent written and communication skillsAll employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

California, Colorado, Connecticut, Hawaii, Nevada, New York, New Jersey, Rhode Island, or Washington Residents Only: The salary range for this role is $70,200 to $137,800 annually. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

About the job

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

Optum Financial’s industry-leading S3® payments platform is integrated at 60,000+ retail locations and supports some of the largest benefits and rewards programs in the world by offering value to consumers and directing the spending of funds to approved health-enhancing products and services. This advanced technology has led to Solutran’s rapid ascent to market leadership in healthcare benefits and has broader applicability across numerous other industries.

Working within a FinTech powerhouse, Optum Financial team members enjoy a culture of performance and collaboration, along with the resources and technology of a Fortune 5 company that comes with being a part of the UnitedHealth Group family of businesses. Our teams work in close partnership with the largest and most forward-thinking companies in America including Amazon, Uber, Humana, General Mills, Kroger, UnitedHealthcare, Walmart, Walgreens and more.

A major component of our mission to create transformative healthcare payment experiences involves the ability to provide a seamless member experience at the point of sale. We are looking for an experienced fraud analyst to drive our fraud and dispute operations strategy forward, establishing frameworks and processes to drive detection, intervention and resolution, as well as ensure compliance with legal and cyber regulations.

You will be in the driver's seat, working with a team tasked with strengthening fraud prevention and investigation methodologies, establishing comprehensive transaction monitoring and performance reporting, and deploying comprehensive governance structures. In this role, you’ll partner with skilled counterparts across the organization to formulate, ideate, research, discover, and execute against the processes that enable the team to effectively grow and scale to support millions of members, billions in annual spend and over a dozen unique benefits nationwide.

The right candidate is someone who can “think big” while diving deep, remain flexible to change, and someone with a passion for innovation and operational excellence.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities

Partner with legal and compliance teams to establish and deploy a comprehensive fraud identification, management and prevention program, formalizing processes, tools, and resources to address fraud across a multi-billion dollar payments networkManage to key performance measures to ensure effective investigation, prevention and analysisIdentify and take action against emerging fraud trends, working in partnership with security, legal and compliance teams to ensure processes meet and exceed industry standardsConduct regular risk assessments, documenting areas of potential exposure areas across the platform and network, and holding cross-functional partners accountable to remediating and strengthening platform infrastructureDevelop and document fraud and dispute management workflows, ensuring the organization follows industry best practices and cross-functional stakeholders are aligned and engaged in executingLeverage best-in-class methodologies for problem resolution and real-time, continuous production monitoring, proactively addressing defects or network issuesPartner with client and retailer teams to navigate fraud issues, assessing impact to clients and internal stakeholders and supporting communicationAlign and coordinate with core leaders and stakeholders across Product, Retail Operations, Network Engineering, Legal/Compliance and other key stakeholders to drive process and platform improvements that advance transaction decisioning integrityProduce regular executive reporting for senior management

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications

5+ years of experience in consumer fraud prevention, identification and investigation across financial services3+ years of deep subject matter expertise in fraud trends, data analytics, fraud investigation3+ years of experience with NACHA, consumer card-related fraud, AML and OFAC regulatory frameworks2+ years of experience with SQL analysis, Microsoft Office and other related tools

Preferred Qualifications

Experience establishing reporting, defining KPIs and ensuring adherence to SLAsProven ability to influence, prioritize and execute improvement initiatives with a sense of urgencyProven excellent written and communication skillsAll employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

California, Colorado, Connecticut, Hawaii, Nevada, New York, New Jersey, Rhode Island, or Washington Residents Only: The salary range for this role is $70,200 to $137,800 annually. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

About the job

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

Optum Financial’s industry-leading S3® payments platform is integrated at 60,000+ retail locations and supports some of the largest benefits and rewards programs in the world by offering value to consumers and directing the spending of funds to approved health-enhancing products and services. This advanced technology has led to Solutran’s rapid ascent to market leadership in healthcare benefits and has broader applicability across numerous other industries.

Working within a FinTech powerhouse, Optum Financial team members enjoy a culture of performance and collaboration, along with the resources and technology of a Fortune 5 company that comes with being a part of the UnitedHealth Group family of businesses. Our teams work in close partnership with the largest and most forward-thinking companies in America including Amazon, Uber, Humana, General Mills, Kroger, UnitedHealthcare, Walmart, Walgreens and more.

A major component of our mission to create transformative healthcare payment experiences involves the ability to provide a seamless member experience at the point of sale. We are looking for an experienced fraud analyst to drive our fraud and dispute operations strategy forward, establishing frameworks and processes to drive detection, intervention and resolution, as well as ensure compliance with legal and cyber regulations.

You will be in the driver's seat, working with a team tasked with strengthening fraud prevention and investigation methodologies, establishing comprehensive transaction monitoring and performance reporting, and deploying comprehensive governance structures. In this role, you’ll partner with skilled counterparts across the organization to formulate, ideate, research, discover, and execute against the processes that enable the team to effectively grow and scale to support millions of members, billions in annual spend and over a dozen unique benefits nationwide.

The right candidate is someone who can “think big” while diving deep, remain flexible to change, and someone with a passion for innovation and operational excellence.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities

Partner with legal and compliance teams to establish and deploy a comprehensive fraud identification, management and prevention program, formalizing processes, tools, and resources to address fraud across a multi-billion dollar payments networkManage to key performance measures to ensure effective investigation, prevention and analysisIdentify and take action against emerging fraud trends, working in partnership with security, legal and compliance teams to ensure processes meet and exceed industry standardsConduct regular risk assessments, documenting areas of potential exposure areas across the platform and network, and holding cross-functional partners accountable to remediating and strengthening platform infrastructureDevelop and document fraud and dispute management workflows, ensuring the organization follows industry best practices and cross-functional stakeholders are aligned and engaged in executingLeverage best-in-class methodologies for problem resolution and real-time, continuous production monitoring, proactively addressing defects or network issuesPartner with client and retailer teams to navigate fraud issues, assessing impact to clients and internal stakeholders and supporting communicationAlign and coordinate with core leaders and stakeholders across Product, Retail Operations, Network Engineering, Legal/Compliance and other key stakeholders to drive process and platform improvements that advance transaction decisioning integrityProduce regular executive reporting for senior management

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications

5+ years of experience in consumer fraud prevention, identification and investigation across financial services3+ years of deep subject matter expertise in fraud trends, data analytics, fraud investigation3+ years of experience with NACHA, consumer card-related fraud, AML and OFAC regulatory frameworks2+ years of experience with SQL analysis, Microsoft Office and other related tools

Preferred Qualifications

Experience establishing reporting, defining KPIs and ensuring adherence to SLAsProven ability to influence, prioritize and execute improvement initiatives with a sense of urgencyProven excellent written and communication skillsAll employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

California, Colorado, Connecticut, Hawaii, Nevada, New York, New Jersey, Rhode Island, or Washington Residents Only: The salary range for this role is $70,200 to $137,800 annually. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

About the job

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start Caring. Connecting. Growing together.

Optum Financial’s industry-leading S3® payments platform is integrated at 60,000+ retail locations and supports some of the largest benefits and rewards programs in the world by offering value to consumers and directing the spending of funds to approved health-enhancing products and services. This advanced technology has led to Solutran’s rapid ascent to market leadership in healthcare benefits and has broader applicability across numerous other industries.

Working within a FinTech powerhouse, Optum Financial team members enjoy a culture of performance and collaboration, along with the resources and technology of a Fortune 5 company that comes with being a part of the UnitedHealth Group family of businesses. Our teams work in close partnership with the largest and most forward-thinking companies in America including Amazon, Uber, Humana, General Mills, Kroger, UnitedHealthcare, Walmart, Walgreens and more.

A major component of our mission to create transformative healthcare payment experiences involves the ability to provide a seamless member experience at the point of sale. We are looking for an experienced fraud analyst to drive our fraud and dispute operations strategy forward, establishing frameworks and processes to drive detection, intervention and resolution, as well as ensure compliance with legal and cyber regulations.

You will be in the driver's seat, working with a team tasked with strengthening fraud prevention and investigation methodologies, establishing comprehensive transaction monitoring and performance reporting, and deploying comprehensive governance structures. In this role, you’ll partner with skilled counterparts across the organization to formulate, ideate, research, discover, and execute against the processes that enable the team to effectively grow and scale to support millions of members, billions in annual spend and over a dozen unique benefits nationwide.

The right candidate is someone who can “think big” while diving deep, remain flexible to change, and someone with a passion for innovation and operational excellence.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

Primary Responsibilities

Partner with legal and compliance teams to establish and deploy a comprehensive fraud identification, management and prevention program, formalizing processes, tools, and resources to address fraud across a multi-billion dollar payments networkManage to key performance measures to ensure effective investigation, prevention and analysisIdentify and take action against emerging fraud trends, working in partnership with security, legal and compliance teams to ensure processes meet and exceed industry standardsConduct regular risk assessments, documenting areas of potential exposure areas across the platform and network, and holding cross-functional partners accountable to remediating and strengthening platform infrastructureDevelop and document fraud and dispute management workflows, ensuring the organization follows industry best practices and cross-functional stakeholders are aligned and engaged in executingLeverage best-in-class methodologies for problem resolution and real-time, continuous production monitoring, proactively addressing defects or network issuesPartner with client and retailer teams to navigate fraud issues, assessing impact to clients and internal stakeholders and supporting communicationAlign and coordinate with core leaders and stakeholders across Product, Retail Operations, Network Engineering, Legal/Compliance and other key stakeholders to drive process and platform improvements that advance transaction decisioning integrityProduce regular executive reporting for senior management

You’ll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.

Required Qualifications

5+ years of experience in consumer fraud prevention, identification and investigation across financial services3+ years of deep subject matter expertise in fraud trends, data analytics, fraud investigation3+ years of experience with NACHA, consumer card-related fraud, AML and OFAC regulatory frameworks2+ years of experience with SQL analysis, Microsoft Office and other related tools

Preferred Qualifications

Experience establishing reporting, defining KPIs and ensuring adherence to SLAsProven ability to influence, prioritize and execute improvement initiatives with a sense of urgencyProven excellent written and communication skillsAll employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy

California, Colorado, Connecticut, Hawaii, Nevada, New York, New Jersey, Rhode Island, or Washington Residents Only: The salary range for this role is $70,200 to $137,800 annually. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.

Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law.

UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

About Company

Optum is a health services and innovation company on a mission to help people live healthier lives and to help make the health system work better for everyone.Optum, part of the UnitedHealth Group family of businesses, is powering modern health care by connecting and serving the whole health system across 150 countries. We combine cutting-edge technology, the world’s largest health care database and vast expertise to improve health care delivery, quality and efficiency. We are revolutionizing health care that serves more than 100,000 physicians, practices and other health care facilities, as well as 127 million individual consumers.How we power modern health:- Data and analytics- Health care delivery- Health care operations- Pharmacy care services- Population health management- Advisory servicesSimpler health plans, better experience, healthier lives. Our Values: Integrity - Honor commitments. Never compromise ethics.Compassion - Walk in the shoes of people we serve and those with whom we work.Relationships - Build trust through collaboration.Innovation - Invent the future, learn from the past.Performance - Demonstrate excellence in everything we do.Learn more about Optum at: https://www.optum.com/Search and apply for Optum careers at: https://www.workatoptum.com

Total Employees

83,293

Company 2-Year Growth

0%

Median Employee Tenure

2.4 years

Because no one goes to school
for fighting fraud.