Position Title Check Fraud Detection Analyst Location Troy, MI 48098 Job Summary The Fraud Detection Analyst plays a critical role in protecting the Bank’s assets by proactively identifying and mitigating fraudulent activity. This position is responsible for reviewing daily fraud detection reports, analyzing suspicious transactions, and making timely, risk-based decisions to prevent losses. The analyst follows established procedures to ensure timely and accurate resolution of fraud cases while supporting a secure and trustworthy banking experience for customers. The role also supports internal and external stakeholders by responding to fraud-related inquiries and collaborating with industry peers to strengthen fraud prevention efforts. Job Responsibilities: Fraud Detection & Case Review Analyze daily detection reports to identify potential fraud. Make real-time decisions on transaction clearance, extended holds, account flags, and service restrictions. Investigate suspicious transactions and escalate complex cases to senior fraud specialists as needed. Monitor and resolve outstanding fraud alerts and ensure timely alert disposition. Document findings and actions taken in accordance with internal protocols. Maintain department logs and prepare metrics for management reporting. Customer & Branch Support Respond to “fraud in progress” alerts and inquiries from branch personnel. Place outbound calls to verify transactions submitted via Zelle, external transfers, mobile deposit, and bill pay. Provide guidance to internal teams and customers impacted by account holds, escalations or fraud-related restrictions. Communicate clearly and professionally to explain fraud decisions and next steps. Open and manage cases with vendors to resolve issues. Cross-Functional Collaboration & Industry Engagement Partner with internal departments to enhance fraud detection strategies and promote awareness. Participate in fraud trend discussions and contribute to system enhancement initiatives. ADDITIONAL ACCOUNTABILITIES Perform special projects, and additional duties and responsibilities as required. Where applicable and when performing the responsibilities of the job, employees are accountable to maintain Sarbanes-Oxley compliance and adhere to internal control policies and procedures. Stay current on fraud trends, tools, and regulatory requirements. JOB REQUIREMENTS: Required Qualifications: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent Minimum experience required: 5+ years of branch banking experience AND/OR 3+ years in fraud Job Competencies: Technical Expertise Understanding of common fraud types (e.g., phishing, account takeover, social engineering, etc.). In-depth knowledge of common check fraud schemes, including but not limited to: forged checks, counterfeit checks, altered checks, check kiting, check washing, third-party fraud, RDC fraud, and fraudulent endorsements. Ability to identify fraud patterns and apply appropriate mitigation strategies. Familiarity with fraud detection systems and banking platforms (e.g., DNA, Nautilus, Salesforce, Compass, Partnercare). Understanding of various regulatory structures, Regulation CC, Uniformed Commercial Code articles 3 and 4, and Regulation E. Understanding of fraud typologies and escalation protocols. Proficiency in Microsoft Office and fraud monitoring tools. Ability to navigate multiple systems quickly and accurately. Familiarity with web browsers (Edge, Chrome, Safari, Firefox). Understanding of mobile operating systems (Android, iOS).Com Core Professional Skills Strong analytical and critical thinking skills. Clear and professional verbal and written communication. Ability to work under pressure and manage multiple priorities. Detail-oriented with a continuous improvement mindset. High level of integrity and confidentiality. Physical demands (ADA): The job requires a moderate degree of physical exertion and stamina such as standing, sitting, walking, driving or infrequent lifting. Flagstar is an Equal Opportunity Employer - Vets/Disabled We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment. Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank Pay Range $19.34 - $31.22 Flagstar Bank, N.A. is based in Hicksville, NY, and at December 31, 2025, had $87.5 billion in assets, $60.7 billion in loans, $66 billion in deposits, and $8.1 billion in total stockholder equity. We are a leading regional bank with approximately 340 locations, and strong footholds in the greater New York/New Jersey metropolitan region and in the upper Midwest, along with a significant presence in fast-growing markets in Florida and the West Coast. We are driven by our commitment to partner with our clients to set and reach goals together, helping them to take charge and thrive. Our focus is on four core lines of business that include Personal, Private, Small Business and Corporate & Commercial Banking. Flagstar Bank is committed to ensuring that you can successfully engage in our recruiting process. If you need assistance completing your employment application or if you would like to request a reasonable accommodation, please contact our team at careers@flagstar.com. Equal Opportunity Employer For more Information: EEOC_KnowYourRights Member FDIC/Equal Housing Lender

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