Sr. Director, Fraud & Abuse, US

About the role

A senior leader with a proven track record of transforming fraud, financial crime, or risk operations through the application of data science, machine learning, AI, and modern operating models. A strategic leader capable of building scalable fraud and abuse decision capabilities that protect customers while enabling business growth. A leader who understands that trust is not simply a control function but a competitive advantage.

Remote-first opportunity

Remote-first opportunity for US-based employees, with the option to work in person out of the Manhattan office. Applicants must be authorized to work in the United States.

What You'll Bring To The Team

• Education and training: Bachelor's degree in economics, data science, engineering, computer science, mathematics, or a related field required. Advanced degree preferred. Professional certifications such as CFE, CAMS, CFCS, FRM, or equivalent are highly desirable.
• Experience: 15+ years of progressive leadership experience in fraud, financial crimes, risk operations, payments, fintech, banking, or related disciplines. 8+ years leading large-scale fraud strategy and operational organizations. Experience leading in organizations of 200+ employees. Demonstrated experience implementing machine learning, AI, advanced analytics, and automated decisioning capabilities. Proven success leading transformational change initiatives. Experience working closely with Product, Engineering, Data Science, and machine learning teams.
• Leadership: An inspiring and transformational executive capable of creating a compelling vision and aligning teams around strategic priorities. Serves as the principal advisor to senior leadership on Fraud & Abuse strategy, emerging risks, and operational performance. Proven ability to build, lead, and develop high-performing organizations. Strong executive presence with the ability to influence executive leadership and effectively present fraud strategy, operational performance, and emerging risks to board stakeholders. Operates as an enterprise leader first and a functional leader second.
• Skills and expertise: Deep expertise in fraud strategy, fraud operations, investigations, fraud analytics, and operational risk management. Strong understanding of modern data platforms, machine learning applications, AI capabilities, and decisioning systems. Exceptional analytical and problem-solving capabilities. Strong business acumen, balancing risk, customer experience, operational efficiency, and growth.
• Mindset: Obsessed with leveraging data, analytics, and emerging technologies to solve complex fraud challenges. Strategic thinker capable of balancing long-term transformation with near-term execution. Passionate about building teams and future leaders.

What You'll Get In Return

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• 100% employer-covered insurance
• Beautiful Midtown office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

Pay and Benefits

The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base pay range for this position is $220,000 - $270,000. This range reflects Zip's US national compensation (USN). Additional premium percentages may apply based on Zip's tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and other benefits.

Equal Opportunity Employer

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base pay range for this position is $220,000 - $270,000. This range reflects Zip's US national compensation (USN). Additional premium percentages may apply based on Zip's tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and other benefits.

Application Instructions

If hired, employees will be in an at-will position, and the Company reserves the right to modify base salary (as well as any other discretionary payment, compensation, or benefit program) at any time, including for reasons related to individual performance, Company or individual department or team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

Zip prides itself on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, Zip is committed to ensuring its recruitment processes are accessible and inclusive. Please let Zip know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

Get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products that bring customers and merchants together. Operating in two core markets, Australia and New Zealand (ANZ) and the Americas, Zip offers point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. Zip is proud to be a values-led business, and its values, Customer First, Own It, Stronger Together, and Change the Game, guide everything it does.