Senior Fraud and Abuse Operations Analyst

Responsibilities

• Safeguard Plaid's Platform: Support the abuse on-call rotation, directly protecting our users and customers by swiftly and effectively responding to and resolving fraud and abuse events.
• Drive Investigations and Mitigate Risks: Conduct thorough investigations into fraud and abuse claims from diverse sources. Your findings will inform crucial decisions and strategies, directly impacting Plaid's ability to prevent future incidents and minimize financial losses.
• Proactively perform threat modeling of abuse surfaces and continuously survey external fraud trends, adversary techniques, tooling, and emerging threat vectors.
• Triage and manage high-priority fraud and abuse events as internal incidents (SEVs), collaborating across teams to drive resolution. Your expertise in these situations will minimize disruption and protect Plaid's reputation.
• Shape Product Strategy: Act as the key operational partner to Consumer Risk and other product teams, providing vital insights and expertise. Your contributions will directly influence the development of effective fraud mitigation solutions, strengthening Plaid's defenses and shaping the future of our products.

Requirements

• 5+ years of experience in fraud/abuse operations, trust & safety, and/or incident response
• Incident response and investigations: Experience triaging fraud or related incidents, with tight containment deadlines.
• Experience managing escalations and making informed trade-off decisions with multiple stakeholders.
• Ability to coordinate and communicate effectively with internal Legal, Compliance, Comms and other risk management teams during incident triage.
• Battle-tested mental model for balancing fraud mitigation vs. conversion, and the ability to calibrate and apply this mental model in the context of Plaid's business objectives under pressure.
• Fraud and abuse detection and prevention context: Deep knowledge about fraud typologies—account takeover, different types of payments fraud, ACH fraud, chargebacks, kiting, rewards harvesting, etc.
• Deep context about the tactics, techniques, and procedures (TTPs) used by bad actors to commit different types of fraud on the web.
• Deep context about common mitigation strategies for the same, and informed opinions about their relative pros and cons.
• Fraud and abuse intelligence: Dark and grey-web navigation and investigation experience, ability to assess source credibility, and translate external intelligence into actionable insights.
• Experience translating fraud investigations and research into actionable detection signals, rules, and labeled datasets, while partnering closely with DS/ML and product teams to improve feature sets, labeling quality, evaluation frameworks, and model decay monitoring.
• Experience developing and maintaining threat models for authentication and other high-risk product surfaces, with a track record of proactively identifying emerging risks.
• Data analysis skills: Strong data analysis skills using common analysis and manipulation tools.
• Strong SQL skills for querying data sets and quickly building reports.
• Able to identify anomalies and fraudulent patterns in logs and other data sets (transactions data, request data, etc.).
• Operational depth and maturity: Experience maturing an operational control that is resilient.
• Exceptional written and verbal communication skills.