Authentication Fraud Strategy Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.  We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

The Authentication Fraud Strategy Analyst is responsible for analyzing, developing, and optimizing enterprise authentication fraud strategies that protect customers, reduce fraud losses, and deliver a seamless digital experience. This role leverages advanced analytics, fraud intelligence, and customer behavior insights to evaluate authentication performance, identify emerging risks, and recommend strategic enhancements across authentication controls, models, and vendor solutions. As a key member of the Authentication Fraud Strategy team, the analyst partners with Fraud Strategy, Digital, Operations, Technology, Risk, and external vendors to drive data-driven decision making, support strategic initiatives, and enhance authentication effectiveness across the customer journey. The role translates complex analytical findings into actionable business recommendations, balancing fraud risk mitigation, customer experience, operational efficiency, and enterprise governance objectives. The ideal candidate is a highly analytical problem solver with experience in fraud analytics, authentication, identity risk, or digital fraud prevention who can independently lead complex analyses and influence strategic outcomes across the organization.

Lead the analysis, development, and optimization of enterprise authentication fraud strategies to reduce fraud losses while delivering a seamless customer experience. Analyze authentication performance, fraud outcomes, customer journeys, and control effectiveness to identify risks, trends, and opportunities for improvement. Conduct complex root-cause analyses of authentication failures, account takeover events, fraud losses, customer friction, and emerging fraud threats to drive strategic recommendations. Develop and maintain analytical frameworks, performance metrics, and monitoring capabilities to measure authentication effectiveness, fraud prevention outcomes, and customer impact. Partner with Fraud Strategy, Digital, Operations, Technology, Risk, and Product teams to prioritize, execute, and evaluate authentication initiatives and strategic enhancements. Collaborate with model development, model ownership, model governance, and validation teams to support authentication model performance assessments, feature analysis, implementation readiness, and ongoing monitoring. Evaluate third-party vendors, authentication solutions, fraud tools, and identity verification capabilities, providing data-driven recommendations on effectiveness, value, customer impact, and strategic fit. Identify, quantify, and prioritize opportunities to improve fraud detection, reduce customer friction, enhance authentication accuracy, and optimize operational performance. Translate complex analytical findings into clear, actionable, and executive-ready recommendations that support strategic decision-making and investment prioritization. Monitor emerging fraud trends, authentication risks, industry developments, and evolving customer behaviors to identify new threats and opportunities for innovation. Ensure analytical rigor and compliance with enterprise governance, privacy, model risk management, regulatory requirements, and data quality standards. Lead and influence cross-functional initiatives by serving as a trusted advisor and subject matter expert on authentication fraud risk, authentication strategy, vendor capabilities, and fraud analytics, driving