Job Description

Senior Fraud Risk Analyst

Credit First National Association is a private label credit card bank and the consumer credit division of Bridgestone Americas. The Bridgestone Americas family of enterprises, including CFNA, is comprised of more than 50 production facilities and 55K employees throughout the Americas. We provide the consumer credit solution for the Firestone Complete Auto Care, Tires Plus, and Wheel Works brands, in addition to customized retail credit services for more than 8,000 other tire and automotive retailers nationwide. At our office in Cleveland, OH, more than 300 professionals gather each day to run a successful private label credit card program. We invest in our community and strongly believe that meaningful commitment to a wide variety of philanthropic organizations builds a better world and a brand that makes us proud.

This is a hybrid position working in the office Tuesday through Thursday and from home Mondays and Fridays. As a Senior Fraud Risk Analyst at CFNA (a Bridgestone company), you will play a key role in protecting our Mastercard and private label card portfolios from fraud. You will analyze fraud trends, optimize detection strategies, build and evolve reporting, and collaborate across teams to strengthen our fraud prevention capabilities. This role is well-suited for a data-driven professional who enjoys turning complex data into clear, actionable decisions in a dynamic environment. The 3 main areas that are critical for success in this role are:

• Technical knowledge - SQL knowledge is a must, Python/other scripting languages are good to have
• Data experience - pulling and analyzing data are critical
• Domain knowledge

Responsibilities

• Analyze fraud trends across the customer lifecycle (e.g., originations, transactions, payments, PII changes, account takeover).
• Refine and recommend fraud detection rules, thresholds, and models using SQL and at least one statistical/scripting language (e.g., Python, SAS), as well as emerging tools/products.
• Translate investigations and analytics into clear, actionable insights to mitigate risk and reduce loss.
• Collaborate with your manager and other stakeholders to balance loss prevention with positive customer experiences.
• Conduct deep-dive investigations into fraud events to identify patterns, root causes, and strategic defenses.
• Partner with internal stakeholders and external vendors to enhance detection platforms and controls.
• Support the onboarding of new data sources and fraud prevention products/processes to strengthen mitigation and prevention
• Prepare documentation for audits, compliance reviews, and internal reporting.
• Contribute to the development and continuous improvement of fraud policies, procedures, and controls.

Core competencies (job-related behaviors)

• Acts with integrity and sound judgment, maintaining high ethical standards in all decisions and actions.
• Demonstrates learning agility, actively seeking information and adapting quickly to new domains or responsibilities.
• Collaborates effectively, contributing to shared objectives and supporting productive team dynamics.
• Follows through on commitments, showing consistent focus and disciplined execution.
• Maintains resilience during challenges, sustaining performance and problem-solving through obstacles.
• Adjusts readily to change, staying effective amid evolving priorities, workflows, or environments.
• Considers diverse perspectives, remaining open to alternative approaches and constructive feedback.
• Shows composure in complex situations, making thoughtful, timely decisions under varying conditions.
• Demonstrates initiative within role boundaries, moving work forward while respecting organizational processes and approvals.
• Assumes accountability for outcomes, ensuring responsibilities are met reliably and transparently.
• Communicates clearly and effectively, simplifying complex information and tailoring messages to relevant audiences.
• Produces high-quality work, applying care, accuracy, and attention to detail.
• Builds strong working relationships, demonstrating understanding of others' needs and fostering constructive collaboration.
• Provides thought leadership, offering well-reasoned insights that shape problem-solving, direction, or strategy.

Preferred qualifications

• Experience in consumer lending or financial services.
• Working knowledge of regulatory and compliance frameworks related to credit card issuance, account management, and financial crime/fraud best practices.
• Familiarity with Mastercard fraud rules and common processing platforms (e.g., Fiserv, Defense Edge).
• Exposure to machine learning techniques and fraud modeling.
• Experience working with large-scale data environments and fraud detection systems (including slowly changing dimensions).

Minimum qualifications

• Bachelor's degree in Business, Economics, Mathematics, Computer Science, MIS, or related field or equivalent practical experience.
• 4+ years of experience in fraud investigations, fraud analytics, or fraud risk management.
• Proficiency in SQL and at least one statistical or scripting language (e.g., Python, SAS).
• Strong analytical and critical thinking skills with the ability to interpret complex data sets and communicate insights clearly.
• Demonstrated ability to work both independently and collaboratively in a hybrid environment (typically TueThu on-site).

What we offer

At Bridgestone, what really matters is to foster co-creation opportunities and empowering you to be creative and curious to make mobility safer, more efficient, and more sustainable for future generations. Whatever role you fill, when you represent Bridgestone, you are a valued teammate, and part of our larger mission to "Serve Society with Superior Quality", for that, we offer you more than just a competitive compensation; we will provide you:

• A supportive and engaging onboarding experience to ensure a smooth transition into our team.
• The opportunity to develop and grow, through training and regular mentorship.
• Corporate Social Responsibility activities.
• A truly global, dynamic and challenging work environment.
• Agility and work/life effectiveness and your long-term well-being.
• A diverse and inclusive team.

Bridgestone is proud to be an Equal Employment Opportunity employer. It is our policy to consider for employment all individuals regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, gender, sex, sexual orientation, gender identity and/or expression, genetic information, veteran status, or any other characteristic protected by federal, state or local law.

Employment eligibility

If hired, a Form I-9 Employment Eligibility Verification must be completed at the start of employment. Temporary work authorization or the need for sponsorship may disqualify you from employment.

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