Overview:
This job contributes to REI’s success by monitoring purchase activity across both REI’s eCommerce and Brick & Mortar channels. Omni-Channel Fraud Analysts will investigate and prevent losses incurred from various types of internal and external fraud/abuse, including but not limited to: both card not present and point of sale tender fraud (credit card, gift card, counterfeit currency), account takeover, return fraud/abuse, delivery error fraud, discount fraud/abuse, theft (merchandise, cash, cargo, etc.), and reselling. The position monitors eCommerce and POS transactions using a variety of tools, reporting, and analytics to detect and investigate fraudulent activity trends. Primary responsibilities include fraud trend identification, investigations (Returns, DNR, Digital, Brick & Mortar), and manual order review. Models and acts in accordance with REI’s guiding values and mission.
Responsibilities:

YOUR PLANNING & NAVIGATING REQUIREMENTS

• Utilizes advanced analytical tools and techniques to examine large datasets, identifying trends and anomalies indicative of fraudulent behavior.
• Leads complex internal/external investigations to identify fraud/abuse creating loss to the co-op.
• Conducts comprehensive risk assessments to identify vulnerabilities within the organization’s systems and processes, recommending mitigation strategies.
• Supports Asset Protection field teams to provide information and input on both internal and external investigations.
• Supports Sales & Customer Support (SCS) teams to investigate and resolve inquiries on suspicious digital transactions.
• Uses SQL, SAS, Python, R and other advanced reporting tools to review REI’s data for potential fraud and abuse patterns, ensuring minimal impact to the co-op due to financial losses.
• Performs analysis on rules-based scoring system to ensure effectiveness of rules and prevent delay of non-fraud transactions.
• Monitors real-time online queues for fraud, determining if transactions should be allowed or rejected.
• Determines legitimacy of online transactions using rules-based risk screening, transactional details, email/social media footprint and activity, IP/Device information, payment details etc. May also rely on ad hoc online research including address validation tools.
• Identifies and investigates fraudulent attack vectors such as account takeover (ATO), credential stuffing, friendly fraud, gift card theft, and other similar risks.
• Meets all Service Level Agreements (SLAs) within manual order review queue and referral/email contacts for internal partners and customers.
• Documents and maintains operating procedures and other team resources as needed
• Ensures appropriate confidentiality and PCI-DSS adherence in all communications and interactions.
• Recognizes and communicates process improvements/fraud mitigation strategies. Utilizes LEAN principles as appropriate. Leads Great Operators improvement projects.
• Work closely with cross-functional teams, including compliance, fraud investigations, operations, and technology departments, to ensure effective coordination and information sharing regarding fraud-related activities.
• Other duties/special projects as assigned.
• Ability to work four, ten-hour shifts per week, including at least one weekend day. Shift times may include early mornings or late evenings.

Please refer the Job description for details