Overview

How You’ll Work

Work Solution: Hybrid

Relocation Eligibility: Available

Responsibilities

What You’ll Do

 

Operating within the core values and operating principles of the organization, the Senior Fraud

Analyst is responsible for leading advanced fraud analytics and supporting the continuous

enhancement of the organization’s fraud detection, prevention and investigative capabilities. This role

operates with a high level of independence and judgment, focusing on identifying complex fraud

patterns, strengthening enterprise controls, and supporting cross-functional fraud risk management

initiatives. This incumbent will work cross-functionally with all departments to combat fraudulent

activities and cultivate a best-in-class fraud prevention and reporting program. This individual will lead

AAA Life’s fraud monitoring and detection efforts and serve as the main point of contact for fraud

investigations and reporting.

 

• Lead advanced reviews and trend analyses of complex fraud patterns across multiple lines of business—including life insurance, annuities, and accident & health products—to identify and address potential suspicious activity.
• Analyze large data sets to uncover emerging fraud typologies and conduct root cause analyses to determine systemic vulnerabilities.
• Support fraud investigations through detailed case development, analytical review of suspected fraud, and evaluation of referrals.
• Evaluate claims, transactions, applications, and account activities to identify fraud indicators and inform escalation decisions.
• Monitor fraud across the network, serve as a primary contact for investigations, and collaborate with internal partners to execute fraud policies and develop proactive prevention strategies.
• Implement and enhance fraud risk metric monitoring through research, resolution of risk events, and the development of mitigation levers.
• Accurately document all investigative steps and findings, interact with business units and external agencies, and take appropriate actions to protect company assets and ensure compliance with regulatory requirements.

Position Success Criteria

• Results Orientation / Bias for Action: Consistently delivers quality work on time, manages priorities effectively, applies critical thinking to resolve issues, and collaborates to achieve goals.
• Customer and Business Focus: Considers stakeholder perspectives, adapts to changing needs, proactively removes barriers, and enhances fraud prevention and detection.
• Communication and Influence: Communicates clearly and professionally, presents analytical findings to support decisions, contributes confidently to discussions.
• Technical and Professional Expertise (Fraud & Analytics): Maintains strong knowledge of fraud risk and analytics, applies expertise to identify and assess fraud, and translates data into actionable insights to improve controls.
• Decision Quality and Judgment: Exercises independent judgment in fraud assessment, makes informed decisions, escalates when needed, and offers sound recommendations to influence strategies and investigations.

Qualifications

Qualifications

• Bachelor's Degree preferred; degree in related discipline, such as criminal justice, risk management, business, or law. A combination of education and relevant work experience can be substituted for a degree.
• Minimum three years of relevant experience in life insurance, financial services, or related industry.
• Experience or training in interviewing techniques, testifying in front of tribunals, and report writing.
• Experience using data analytics tools, reporting platforms, or business intelligence solutions to identify fraud trends, assess risk, and support process or control improvement initiatives.
• Strong proficiency with Windows-based applications (e.g., Excel, reporting systems, case management platforms), with the ability to quickly learn and apply new systems and technologies.

Preferred Qualifications

• Membership in an investigative association, such as CFE, ICA Fraud Committee, IASIU, NICB, or CFCI, a plus
• Certifications such as Certified Fraud Examiner (CFE), Certified Financial Crimes Investigator (CFCI), or Certified Anti-Money Laundering Specialist (CAMS) are strongly preferred.
• Prior experience in fraud analysis, investigations, financial crimes, risk management, compliance, law enforcement, or similar disciplines is strongly preferred, particularly within life insurance environment.

While performing the duties of this job, the employee is frequently required to stand, walk, sit, use hands and fingers to handle, or feel, talk, hear, and concentrate. Specific vision abilities required by this job include close vision, distance vision, depth perception, and ability to adjust focus.

 

This job requires the ability to perform duties contained in the job description for this position, including, but not limited to, the above requirements. Reasonable accommodation will be made for otherwise qualified applicants as needed to enable them to fulfill these requirements.