Senior Fraud Investigations Analyst

Role Overview

ID.me is looking for a Senior Fraud Investigations Analyst to join our organization as an execution-focused individual contributor. This role is responsible for leading investigations into account takeover (ATO) activity, identifying fraud patterns at scale, and strengthening detection strategies.

Responsibilities

• Lead complex account takeover (ATO) investigations, including multi-account and organized fraud activity
• Analyze large datasets using SQL, Python, or similar tools to identify trends, anomalies, and attack patterns
• Use fraud detection tools, machine learning outputs, and risk-scoring systems to drive high-quality investigations
• Independently own investigations from detection through resolution, including clear documentation and recommendations
• Identify gaps in detection logic and contribute to improvements in rules, models, and workflows
• Partner with engineering, data, and product teams to enhance fraud detection capabilities and signal quality
• Act as an escalation point for high-severity or ambiguous fraud cases
• Develop and refine investigation playbooks and analytical approaches for ATO detection
• Support reporting and analysis of fraud trends, detection performance, and operational metrics
• Leverage AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data

Basic Qualifications

• Bachelor’s degree from an accredited institution; strong preference for quantitative fields such as Economics, Computer Science, Statistics, Mathematics, or similar
• 4+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks (typically 4–8 years total experience; candidates should have
• 2+ years of experience using SQL, Python, or similar tools to analyze data and drive investigations
• 2+ years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies
• 2+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
• Demonstrated experience analyzing fraud trends beyond individual case investigations (e.g., pattern detection, ring analysis)
• Experience using AI/LLM tools to enhance data analysis and investigations, with demonstrated ability to validate and apply outputs effectively

Preferred Qualifications

• Experience at a fintech company, technology company, or reputable financial institution
• Strong experience analyzing organized fraud rings or large-scale ATO campaigns
• Experience influencing fraud detection logic, models, or rule systems
• Familiarity with AI/ML techniques applied to fraud detection and risk analysis
• Ability to translate analytical findings into actionable improvements for product, engineering, or risk systems

Pay Range

$90,000 - $120,000 USD

Benefits

• Comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts)
• Basic and voluntary life and AD&D insurance
• 401(k) with company match
• Parenthood leave
• Ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays
• Short and long-term disability insurance
• Accident and critical illness insurance
• Referral bonus policy
• Employee assistance program
• Pet insurance
• Travel assistant program
• Wellbeing and childcare discounts
• Benefit advocates
• Learning and development benefit