SouthState Bank offers an FIU Fraud Data Analyst role in Winter Haven, FL with remote work. In this position, you’ll use fraud analytics and investigative judgment to help protect customers and the bank by identifying, investigating, and mitigating internal and external financial crime risks. You’ll also build insights through dashboards and reporting that support stronger controls, lower losses, and regulatory-aligned expectations.
The compensation range for this position is $87,282 - $139,425 per year, with actual offers determined based on skills, experience, and education. The role requires required annual compliance training, plus system-specific and FIU/financial crimes training as assigned by the Chief BSA Officer.
What you will do
- Evaluate fraud detection rules, monitoring logic, alert performance, false positives, and data quality issues, then recommend improvements to increase detection effectiveness and operational efficiency
- Develop, maintain, and enhance dashboards, recurring reports, trend analyses, and ad hoc views to identify fraud patterns, emerging typologies, control gaps, and loss exposure
- Identify emerging fraud trends and attack patterns, including mule activity, account takeover indicators, synthetic identity concerns, suspicious online account opening activity, social engineering indicators, and other financial crime risks
- Query, extract, validate, and analyze large datasets using SQL-based databases, Snowflake, Excel, and other approved analytical tools to support investigations and fraud strategy
- Analyze fraud alerts, account activity, customer behavior, and transaction patterns to surface unusual, suspicious, or potentially fraudulent activity
- Research and analyze high-risk transactions across payment channels, including digital banking, Zelle, Bill Pay, bank-to-bank transfers, debit card, wires, ACH, checks, and other products as applicable
- Communicate internal control deficiencies, data limitations, system issues, and fraud vulnerabilities identified through analytical or investigative work
- Provide analytical support, peer guidance, training, and subject matter expertise to team members as needed
Required qualifications
- 5+ years of experience in fraud, financial crimes, BSA/AML, banking operations, risk management, data analytics, or related work in a financial institution or similar regulated environment
- Bachelor’s degree in one of the following (preferred): Data Analytics, Data Science, Statistics, Finance, Accounting, Criminal Justice, Business, Computer Science, Information Systems, or a related field; equivalent related experience may be considered
- Experience conducting fraud investigations and analyzing transactional activity to identify patterns indicative of fraud or financial crime
- 2+ years querying, analyzing, and reconciling large datasets using SQL-based databases, Snowflake, Excel, or similar tools
- Experience creating management reports, dashboards, trend analyses, or data-supported recommendations
- Working knowledge of SQL, Snowflake, relational databases, data extraction, data validation, and data quality concepts
- Working knowledge of Microsoft Excel, including pivot tables, formulas, data cleaning, and analytical functions
- In-depth knowledge of fraud typologies and associated bank fraud schemes, including online account opening, account takeover, social engineering, mule activity, mobile/digital, check, ACH, wire, debit card, and payment fraud
- In-depth knowledge of BSA/AML regulations related to suspicious activity monitoring, escalation, and reporting
- Strong understanding of bank operations, including navigating banking systems and evaluating account relationships
- CAM S (Certified Anti-Money Laundering Specialist), CAFP (Certified AML and Fraud Professional), CFE (Certified Fraud Examiner), or a data analytics-related certification preferred
Helpful experience
- Experience with fraud detection systems, case management systems, digital banking platforms, core banking systems, payment channels, or transaction monitoring tools (preferred)
- 2+ years supporting fraud strategy, rule tuning, control enhancement, alert optimization, or loss mitigation initiatives (preferred)
- Knowledge of data visualization/dashboarding/reporting tools such as Power BI or Tableau (preferred)
- Familiarity with Python, R, SAS, model monitoring, statistical analysis, or machine learning concepts used in fraud detection (preferred but not required)
- Familiarity with payment types and digital banking products, including Zelle, Bill Payments, bank-to-bank payments, ACH, wires, checks, debit cards, and related customer authentication controls
Tools and systems
- SQL, Snowflake, Excel, Power BI, Tableau, PowerPoint, Python, R, SAS
Compliance and work environment
SouthState Bank’s policy is to comply with the Bank Secrecy Act (BSA), USA PATRIOT Act, and the requirements of the OFI. Upon completion of required training, employees are accountable for adhering to the bank’s established operating procedures and internal controls in the BSA/AML/OFAC Program. Continued instances of non-compliance or willful violation of law may result in disciplinary action up to and including termination.
Work environment and physical demands: Must be able to remain seated or work standing in a confined area on a computer for at least four (4) hours each workday; constantly use hands and fingers to enter data and/or answer a phone throughout most of an eight (8) hour shift; hear and communicate with coworkers and customers throughout the day. The position may require regular before/after normal business hours. Remote work requires a secure and distraction-free setting and a reliable internet connection (cable or fiber preferred, mobile hotspots not acceptable). Hybrid positions report to a physical company location as directed by the manager.
