Fraud AI Strategy & Enablement Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Fraud AI/ML Strategy & Enablement Analyst is responsible for supporting the definition, analysis, and delivery of enterprise fraud AI initiatives to drive measurable fraud risk reduction, efficiency gains, and improved customer outcomes. The role contributes hands‑on analytical expertise across AI‑enabled fraud use cases, ensuring initiatives are analytically sound, well‑governed, and aligned to enterprise fraud strategy and regulatory expectations.

This role serves as a key execution and coordination contributor for fraud AI initiatives, working in close partnership with internal fraud strategy teams, the AI Center of Excellence (AI CoE), technology partners, and third‑party vendors. The Fraud AI/ML Strategy & Enablement Analyst supports disciplined delivery and transparent reporting across the AI lifecycle—including problem framing, use‑case sizing, feature and data analysis, model development and testing support, deployment readiness, and value measurement. All responsibilities are carried out in accordance with company data governance, privacy, and regulatory requirements, reinforcing organizational integrity and resilience.

Key Responsibilities

• Lead the analysis, design, and delivery of high‑impact AI‑enabled fraud use cases, partnering with internal teams, the AI CoE, and vendors to drive measurable outcomes across the fraud portfolio (excluding reporting team initiatives that are not AI enabled and efforts supported by either the Fraud Innovation & Consulting team or Model Ownership team).
• Supports AI‑enabled fraud use cases and model‑adjacent analytics through internal development efforts, AI CoE partnerships, and vendor solutions, contributing analytical execution, cross‑team coordination, and delivery support.
• Drive analytics‑led problem framing across the full model lifecycle, including use‑case sizing, feature ideation, population analysis, and data quality assessment to ensure solutions are well‑scoped, analytically sound, and value‑accretive.
• Serve as a trusted advisor and point of coordination for AI and machine learning use cases within fraud, ensuring alignment with enterprise AI governance standards, regulatory expectations, and the AI Use Case Registry.
• Support delivery rigor by coordinating milestones, dependencies, and priorities, proactively identifying risks and escalation needs across internal teams, AI CoE efforts, and vendor engagements.
• Assess vendor solutions and performance through an analytical lens, evaluating effectiveness, overlap, and realized value relative to cost, risk‑reduction objectives, and enterprise priorities.
• Maintain strong cross‑functional partnerships with Fraud Strategy, Operations, Digital, Risk, and Technology teams, contributing analytical insights to identify fraud gaps, emerging threats, and new use‑case opportunities.
• Translate complex analytical findings into clear, executive‑ready narratives, articulating implications for fraud loss reduction, operational efficiency, and customer experience.
• Provide consistent analytical updates and insights to senior leaders and governance forums, highlighting progress, risks, dependencies, and value delivered to support informed decision‑making.
• Support executive and ad hoc strategic fraud analytics requests, delivering high‑quality, timely insights to inform prioritization, governance discussions, and enterprise strategy.
• Evaluate modeling needs and constraints to inform sourcing recommendations, advising on when to pursue internal development versus AI CoE or vendor solutions based on risk, complexity, cost, expertise, and delivery timelines.
• Provide hands‑on analytical leadership to support internal fraud model development, including problem definition, feature strategy, data readiness, validation alignment, and pre‑production preparation, while adhering to governance and control standards.

Additional Expectations

• Leverage approved AI‑enabled productivity tools to improve efficiency, quality, and effectiveness of work outputs, applying sound judgment to validate results and ensure responsible, compliant use in accordance with company policies.
• Develops and delivers data‑driven insights and narratives to inform decision‑making and support business objectives.
• Perform additional duties and assume evolving responsibilities as needed to support changing business priorities, organizational needs, and strategic objectives.
• Maintain a strong commitment to regulatory compliance, internal controls, and risk management standards by adhering to applicable laws, policies, and procedures.

Basic Qualifications
- Bachelor’s degree in a quantitative field, and eight or more years of relevant experience
OR
- MA/MS in a quantitative field, and five or more years of related experience
OR
- PhD in a quantitative field, and four or more years of related experience

Preferred Skills/Experience
- Advanced knowledge of various regression techniques, parametric and non-parametric algorithms, times series techniques, and other statistical models, various model validation tests/methodologies, using SAS or similar statistical package
- Thorough data compilation, programming skills and qualitative analysis skills
- Thorough knowledge of the quantitative and qualitative risk factors, industry risks, competition risks, and risk management approaches
- Advanced understanding of applicable regulatory rules, guidance, or supervisory letters
- Ability to manage multiple tasks across various timelines
- Strong analytical, organizational, problem-solving, negotiation, and project management skills
- Demonstrated independence, teamwork and leadership skills
- Effective interpersonal, verbal and written communication skills

LOCATION EXPECTATIONS:  This role requires working from a U.S. Bank Location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $119,765.00 - $140,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.

For more details click Job Post.