Fraud Analyst - Remote

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 to start Caring. Connecting. Growing together.  

The Fraud Analyst supports the Directed Spend fraud team by monitoring key dashboards and alerting tools for suspicious activity, handling transactional disputes, and completing case reviews. The Fraud Analyst reviews assigned tools and performs fraud investigations to ensure suspected fraud is identified, remediated appropriately, and resolved across cases originating from various sources. The Fraud Analyst is expected to have a deep understanding of fraud and be able to lead investigations and summarize findings appropriately as a subject matter expert.

This position is full-time. Employees are required to have flexibility to work any of our 8-hour shift schedules during our normal business hours of 8:00am - 5:00pm CST/EST. It may be necessary, given the business need, to work occasional overtime. You will enjoy the flexibility to work remotely from anywhere within the U.S. as you take on some tough challenges.

You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.

Primary Responsibilities:

• Investigate system-generated alerts to confirm transaction legitimacy and identify suspected fraud
• Conduct operational investigations and research to support assigned potential fraud cases
• Analyze transaction data to identify trends, anomalies, and other fraud risk indicators
• Draft review summaries that clearly document trends, key evidence, and investigation outcomes
• Maintain complete and timely case documentation, including findings, actions taken, and final disposition
• Investigate transaction disputes and coordinate card replacement and member reimbursement when applicable
• Escalate suspected fraud, repeat patterns, or high-risk activity to leadership for review and action
• Manage a case queue by prioritizing work to meet multiple deadlines and service expectations

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 banking or financial services industry
• 1+ years of experience in payment fraud investigations, online fraud investigations, or financial crime risk management
• 1+ years of experience in payment card operations, disputes, chargebacks, or fraud analysis
• 1+ years of experience with Excel (e.g., filter, sort, V-lookup, pivot tables, etc.)

Preferred Qualification:

• Familiarity with database querying (SQL)

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy

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.

Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.

At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.    

UnitedHealth Group is 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 is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.