Research and Rules Analyst, Fraud Prevention - Remote

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.

The Senior Fraud Research Analyst is a member of the Optum Financial Consumer Payments Fraud team and acts as a subject matter expert to other departments within the business and the Company. The Senior Fraud Research Analyst will be responsible for reviewing and investigating potential cases of financial fraud on both bank accounts, directed spend cards, and credit/debit cards. They will also be responsible for working with other groups to identify and resolve areas of vulnerability, control gaps, and opportunities to strengthen the security of the business. The Senior Fraud Research Analyst is expected to have a deep understanding of fraud and be able to represent the team as a subject matter expert.

Primary Responsibilities: ? Perform in-depth research within banking systems to investigate customer and transactional activity for fraudulent and high-risk activity ? Analyze data for trends and recommend strategies to reduce risk and fraud ? Represent the Fraud Team on new products, projects and programs to help ensure fraud risks and controls are considered throughout implementation ? Take necessary action, when fraud is identified, to prevent additional fraud and work fraud case, per procedure ? Assist in and proactively contribute to the development of fraud detection tactical and strategic planning ? Partner and collaborate with Operations, Compliance, and IT teams to resolve issues and investigate fraud cases ? Serve as a liaison with Information Technology in the development, enhancement, and ongoing maintenance of risk management systems ? Provide training, guidance and education to other team members and other teams on risk and fraud best practices ? Communicate with customers who are victims of fraud, answering their questions and helping them to secure their account ? Communicate significant issues to management; make recommendations when weaknesses are identified ? Balance priorities to meet multiple deadlines

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: ? 4+ years of experience in banking or financial services industry ? 4+ years of experience in payment fraud investigations, and online fraud investigation, or financial crime risk management ? 2+ years of experience with payment card operations, disputes, chargeback or fraud analysis ? 2+ years Excel experience (e.g., filter, sort, V-lookup, etc.) ? Demonstrated ability to work effectively, both independently and within a collaborative team and take ownership of assigned projects and duties

Preferred Qualifications: ? Database software query experience (i.e., SQL, VBA, Access, etc.) ? Experience in healthcare payments, particularly healthcare payments fraud ? Experience in Anti-Money Laundering investigation and Bank Secrecy Act requirements and controls ? People leadership experience ? Demonstrated experience with verbal, written and interpersonal skills and ability to work independently

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

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