Account Takeover and Device Policy Analyst Charlotte, North Carolina;Belfast, Maine; Plano, Texas; Richmond, Virginia; Fort Worth, Texas; New York, New York; Boston, Massachusetts; Chandler, Arizona; Chicago, Illinois; Kennesaw, Georgia; Phoenix, Arizona **Job Description:** At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. One of the keys to driving Responsible Growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! **Job Description:** This job is responsible for performing complex analysis and modeling to minimize loss exposure and negative impacts to the customer experience. Key responsibilities include utilizing a variety of systems such as Excel, SAS, SQL, Tableau, and other relational data bases to provide analytical support on strategies and ensure goals are met. Job expectations include evaluating data to assess potential fraud risk and create mitigation strategies. As a Client Protection Fraud Policy Analyst, you will capitalize on your Fraud knowledge strategic thinking to solve business challenges and seek opportunities for improvement. The Account Takeover and Device Policy and Strategy team focuses on identifying criminals posing as customers who are intentionally trying to steal from the bank and deceive clients into providing access to their accounts. You will join a team of fraud professionals who are dedicated to stopping criminals and protecting customers from both fraud, scams and money mule activity. In the role you will spend time analyzing difficult problems to effectively manage an evolving fraud attack environment. You will develop complex defenses designed to minimize the impact to good customers while maximizing fraud loss avoidance. You will work across multiple partner organizations and represent our team as a subject matter expert. We are looking for someone with strong communication skills, sound business judgement, and is results oriented with a track record of thriving in a fast-paced environment. Responsible for performing complex analysis and monitoring strategy performance, fraud alerts, operational effectiveness, claims, and losses. Other responsibilities include: • Developing effective monitoring and oversight to identify and mitigate Account Takeover risk. • Working closely with Account Takeover Strategy across Deposit, Digital, and Card products to understand limitations, identify synergies, and opportunities for improvement. • Investigation and root cause analysis of major fraud losses and emerging trends with focus on preventing recurrence. • Utilizes portfolio trends to propose strategy and policy changes within segmentation structure to produce optimal results. • Role would also include project scope leadership where candidate would be responsible for providing fraud requirements, testing, and development of strategies. • Excels at risk/reward trade off. • Duties primarily include the regular use of discretion, independent judgment, the ability to communicate with multiple levels of management and the utilization of core leadership behaviors.       **Responsibilities:** + Analyzes and interprets large sets of raw data to recommend ways to help the business achieve desired outcomes and make informed business decisions + Defines, gathers, analyzes, and interprets data using applications and technologies to forecast future trends and communicates to leaders and partners the statistical analysis results and predictions + Coordinates the production of product performance reports and updates for senior management **Skills:** + Business Intelligence + Data and Trend Analysis + Fraud Management + Monitoring, Surveillance, and Testing + Research + Business Analytics + Data Quality Management + Data Visualization + Problem Solving + Written Communications + Analytical Thinking + Collaboration + Critical Thinking + Innovative Thinking + Oral Communications **_This position is not eligible for sponsorship._** **_It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability._** **Required Qualifications:** • 5+ years in Fraud Prevention, Strategy, Risk, Policy, Operations, or a combination. • Experience with multiple products such as, Digital (Zelle, ACH, Wires) Deposit (DDA, Checks), Cards (Credit and Debit) • Proficient in Fraud Management tools used by operations to work alerts and identify Fraud Risk. E.g. Flash, BASS, Lexis Nexis. • 2 years of experience in data analysis • Intermediate Excel and PowerPoint capability. • Ability to identify opportunities for improvement and work autonomously with minimal direction. • Ability to work in a fast-paced, dynamic environment. **Desired Qualifications:** • 2+ years of experience in business analysis • 1+ years of experience in consulting • 2+ years of experience in SAS or SQL querying      **Shift:** 1st shift (United States of America) **Hours Per Week:** 40 **Pay Transparency details** US - NY - New York - 1114 Avenue Of The Americas - Grace (NY1544) Pay and benefits information Pay range $60,900.00 - $95,000.00 annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible This role is eligible to participate in the annual discretionary plan. Employees are eligible for an annual discretionary award based on their overall individual performance results and behaviors, the performance and contributions of their line of business and/or group; and the overall success of the Company. Benefits This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve. Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity and affirmative action, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates. To view the "EEO is the Law" poster, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf) . To view the "EEO is the Law" Supplement, CLICK HERE (https://www.dol.gov/ofccp/regs/compliance/posters/pdf/OFCCP\_EEO\_Supplement\_Final\_JRF\_QA\_508c.pdf) . View the LA County Fair Chance Ordinance (https://dcba.lacounty.gov/wp-content/uploads/2024/08/FCOE-Official-Notice-Eng-Final-8.30.2024.pdf) . Bank of America aims to create a workplace free from the dangers and resulting consequences of illegal and illicit drug use and alcohol abuse. Our Drug-Free Workplace and Alcohol Policy (“Policy”) establishes requirements to prevent the presence or use of illegal or illicit drugs or unauthorized alcohol on Bank of America premises and to provide a safe work environment. To view Bank of America’s Drug-free Workplace and Alcohol Policy, CLICK HERE . This communication provides information about certain Bank of America benefits. Receipt of this document does not automatically entitle you to benefits offered by Bank of America. Every effort has been made to ensure the accuracy of this communication. However, if there are discrepancies between this communication and the official plan documents, the plan documents will always govern. Bank of America retains the discretion to interpret the terms or language used in any of its communications according to the provisions contained in the plan documents. Bank of America also reserves the right to amend or terminate any benefit plan in its sole discretion at any time for any reason.