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Fraud Analyst

Draper, Utah + Additional locations

Caring. Connecting. Growing together.

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Fraud Analyst

Requisition number: 2385010 Job category: Banking & Financial Services Primary location: Draper, Utah Additional locations: Eden Prairie, Minnesota Date posted: 10/07/2026 Overtime status: Exempt Travel: No

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 inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health optimization on a global scale. Join us in making healthcare work better for everyone through people-led, responsible AI while Caring. Connecting. Growing together.

The Fraud Analyst will be responsible for reviewing daily reports to identify suspicious bank account and debit card activity and as needed, perform additional research to confirm fraud. The Fraud Analyst will also be responsible for processing debit card disputes and chargebacks. The Fraud Analyst will be responsible to learn and understand procedures and work independently to research and report cases of fraud to the Director of Fraud.

Primary Responsibilities:

Perform in-depth analytical and data research within banking systems to investigate customer and transactional activity for fraudulent and high-risk activity
Analyze data for trends and carries out strategies and programs to reduce risk and fraud
Take necessary action, when fraud is identified, to prevent additional fraud and work fraud case, per procedure
Communicate with customers who are victims of fraud, answering their questions and helping them to secure their account
Assist in and proactively contribute to the development of fraud detection
Partner and collaborate with Operations, Compliance, and IT teams to resolve issues and investigate fraud cases
Communicate significant issues to management; make recommendations when weaknesses are identified
Balance priorities to meet multiple deadlines
Participate on special projects and complete other duties as required or assigned

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:

2+ years of experience in general banking operations
2+ years of experience in payment fraud investigation, online fraud, or financial crime risk management
2+ years investigative and data analytical skills with the ability to identify and clearly articulate key risks and issues
1+ years card fraud investigation or card processing experience
Proficient Excel experience (e.g., filter, sort, V-lookup)
Database software query experience (i.e., SQL, Databricks, etc.)
Must reside and work onsite (Draper UT or Eden Prairie MN)

Preferred Qualifications:

Bachelor's Degree Finance, Accounting, Information Technology from an accredited institution
1+ years customer service experience and the ability to interact with customers in a professional manner
Experience in healthcare payments, particularly healthcare payments fraud
Proven ability to make decisions independently with minimal guidance from management

Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $60,200 - $107,400 annually based on full-time employment. We comply with all minimum wage laws as applicable.

At UnitedHealth Group, our mission is to help people live healthier lives and help make the health system work better for everyone. Together, we are shaping the future of healthcare by harnessing technology and innovation to make care simpler to navigate, more affordable and more connected for the people we serve. We are committed to creating an inclusive workplace where everyone feels welcomed, valued, heard and respected, empowering people to bring their authentic selves to work and strengthening our collective impact through diverse talents, backgrounds, experiences and perspectives.

UnitedHealth Group and its affiliated brands are an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.

UnitedHealth Group and its affiliated brands are a drug-free workplace. Candidates are required to pass a drug test before beginning employment.

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Benefits

Our mission of helping people live healthier lives extends to our team members. Learn more about our range of benefits designed to help you live well.