Fraud Risk Management Lead

🕒 May 9

🇺🇸 United States – Remote

💵 $150k - $250k / year

⏰ Full Time

🟠 Senior

🎲 Risk

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Flex

WebsiteLinkedInAll Job Openings

11 - 50 employees

💰 $100M Debt Financing on 2023-09

End-to-end finance platform for businesses.

📋 Description

• Analyze new applicant data to support automated and manual credit decisioning • Work with data extracted from business financial statements, tax documents, and banking integrations • Leverage insights from adjacent product usage to evaluate risk profiles • Build dashboards or tools to surface real-time indicators for underwriting and fraud detection • Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement • Identify signs of weakening creditworthiness using internal data and third-party credit reports • Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies • Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates • Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns • Assist in identifying drivers of loss and opportunities for margin improvement.

🎯 Requirements

• 5–15 years of hands-on fraud risk management experience with direct ownership of detection and loss management across consumer and small business products • Deep subject matter expertise across all three fraud typologies — first-party, third-party, and synthetic identity • Fluent in the fraud signal stack: device fingerprinting, IP intelligence, identity graph analysis, behavioral biometrics, velocity rules, and ML-based anomaly detection • Understands DDA fraud vectors at a product level: ACH origination and return abuse, check fraud, Reg E dispute dynamics, and the intersection of payment fraud with account takeover • Analytically self-sufficient: proficient in SQL and Python or R • Familiar with the regulatory and compliance overlay on fraud: SAR filing thresholds, Reg E obligations, FCRA considerations for adverse action, and BSA/AML red flags that overlap with fraud patterns • Operates at a senior thinking level relative to peer cohort • Instinctively thinks from the other side of the table: models how a bad actor would exploit a product, policy gap, or verification weakness • High quantitative aptitude with strong intuition for when loss or dispute trends don't pass the smell test • High-energy, end-to-end owner who thrives in environments where detection infrastructure is still being built and the threat landscape is actively evolving • Effective communicator who can translate complex fraud dynamics — ring structures, synthetic identity clusters, bust-out cohorts — into crisp narratives for risk committees, product teams, and senior leadership.