Senior Analytics Consultant

About this role:

Wells Fargo is seeking a fraud analyst

In this role, you will:

• Identify and investigate first-party fraud behaviors, including deliberate non-payment, bust-out, and misuse of credit lines
  Detect and monitor payment float patterns (e.g., strategic repayments, credit cycling, temporary balance cover to evade delinquency classification)
  Analyze customer transaction and repayment behavior to distinguish between genuine liquidity issues and intentional abuse
  Develop and refine rule-based strategies and controls to detect and prevent first-party fraud
  Perform segmentation analysis to identify high-risk cohorts based on behavioral, transactional, and repayment signals
  Conduct root cause analysis on fraud losses and recommend changes
  Partner with credit risk, collections, and underwriting teams to align fraud strategies across the customer lifecycle
  Monitor key performance metrics such as roll rates, early delinquency, credit cycling, and fraud loss rates
  Support development and enhancement of fraud detection models and early warning indicators
  Ensure compliance with regulatory guidelines and internal policies

  Required Qualifications:

  Degree in Finance, Economics, Statistics, Engineering, or a related field
  5+ years of experience in fraud risk, credit risk, or payments analytics
  Strong understanding of first-party fraud typologies (bust-out, credit abuse, payment manipulation, synthetic behavior at account level)
  Good grasp of payment behavior dynamics and delinquency triggers
  Proficiency in SQL and Excel; experience with Python/R is a plus
  Strong analytical and problem-solving capabilities with attention to detail
  Ability to differentiate between credit risk and fraud intent signals
  Effective communication skills and stakeholder management

Posting End Date: 

4 Sep 2026

*Job posting may come down early due to volume of applicants.

We Value Equal Opportunity

Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

Applicants with Disabilities

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo.

Drug and Alcohol Policy

 

Wells Fargo maintains a drug free workplace.  Please see our Drug and Alcohol Policy to learn more.

Wells Fargo Recruitment and Hiring Requirements:

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.