Staff Fraud Analyst

Shape a brighter financial future with us. Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way.

About the role

We are searching for a passionate Staff Fraud Risk Analyst who is highly self-motivated, analytical, with a strong understanding of debit card fraud transactions and account takeover fraud strategies. This role will work on fraud strategies at banking transactional stages during the customer journey, implementing effective fraud strategies to help our platform realize a safer, more transparent, and secure environment. This role will collaborate with various stakeholders to ensure strategy performance while maintaining a smooth customer experience. By joining us, you'll become part of a forward-thinking company transforming financial services for the better. We offer the excitement of a rapidly growing startup with the stability of an industry-leading leadership team.

Responsibilities

• Architect and scale robust table structures and analytics using expert-level SQL and Python to serve as the foundation for global risk detection and real-time reporting.
• Design sophisticated fraud decisioning strategies by synthesizing login, entity, and tokenization signals to neutralize complex threats like Account Takeover (ATO) and high-risk transactions.
• Lead cross-functional initiatives by translating intricate technical risks into high-level business logic, socializing proposals with stakeholders to align on the optimal balance between security and user friction.
• Optimize detection precision through rigorous statistical analysis, specifically leveraging False Positive Rate (FPR) modeling to protect the "Golden Path" of the customer experience.
• Execute end-to-end risk-decisioning procedures for debit card transactions and authentication frameworks (MFA/3DS), ensuring defense mechanisms are both proactive and scalable.

Requirements

• BA/BS in Statistics, Information Systems, Mathematics, Data Science, or related fields, or equivalent work experience.
• 5+ years of work experience in Fraud Analytics.
• Experience managing risk-decisioning strategies and mitigating losses in debit card fraud transaction flows (ATO, 3DS, CNP, Tokenization).
• Understanding of sophisticated authentication frameworks, plus exposure to authentication flows including MFA/IDV.
• Deep mastery of the trade-off between fraud mitigation and UX, ensuring security strategies protect the business without compromising key conversion and retention metrics.
• Expert-level SQL/Python skills used to build automated, high-volume data architectures and statistical models that serve as the foundation for global risk detection.
• A proactive leader who uses cross-functional persuasion to align stakeholders and own the end-to-end execution of complex initiatives in fluid environments.

Pay

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

Benefits

To view all of our comprehensive and competitive benefits, visit our Benefits page.