Fraud & Chargeback Analyst | Mastercard/Visa Disputes | Makati

About the role

The Commercial Payments High Risk Review Fraud Analyst is responsible for conducting risk-based transactional reviews of high-risk provider enrollment and payment activities to protect payment integrity and ensure secure access to commercial payment solutions. This role identifies potential fraud risks, conducts preliminary investigations, validates critical information through research and stakeholder outreach, and documents findings to support risk mitigation and compliance efforts.

Key responsibilities

• Conduct comprehensive reviews of high-risk enrollment and payment transactions to identify potential fraud indicators and operational risks.
• Analyze, aggregate, and interpret information from multiple data sources to assess risk exposure.
• Recognize patterns, anomalies, and subtle relationships across data sets to identify potential fraudulent activity.
• Apply internal controls, industry best practices, and investigative techniques to support risk mitigation efforts.
• Conduct fact-finding interviews and ask probing questions to obtain relevant information.
• Gather and evaluate transactional enrollment data, validation results, payment records, internet research findings, and stakeholder feedback.
• Perform risk-based reviews to determine appropriate disposition and next steps.
• Accurately document findings, decisions, and case status updates within applicable systems.
• Conduct preliminary investigations into suspected fraudulent or abnormal activities.
• Conduct outbound calls with providers, customers, clients, and payers to validate information and support investigations.

About you

• 2+ years of experience in a transactional review, fraud prevention, risk operations, payment operations, or related analytical environment.
• Demonstrated experience conducting outbound validation calls, gathering facts, assessing risk, and documenting investigative findings.
• Strong verbal and written communication skills with exceptional attention to detail.
• Ability to work independently while demonstrating integrity, accountability, and sound judgment in a remote work environment.
• Intermediate proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and SharePoint.
• Intermediate experience utilizing bank validation, identity verification, or related validation tools.
• Strong organizational skills with the ability to manage multiple priorities and meet established turnaround times.
• Comfortable working in a fast-paced, evolving environment with changing business priorities and requirements.

About us

Optum is the health care technology and innovation company of the UnitedHealth Group enterprise along with UnitedHealthcare. UnitedHealth Group is a health care and well-being company with a mission to help people live healthier lives and help make the health system work better for everyone. We're a leading health solution and care delivery organization improving the health care experience of over 125 million people around the world.