Director of Fraud Risk Management

🔥 22 hours ago

🇺🇸 United States – Remote

💵 $150k - $250k / year

⏰ Full Time

🔴 Lead

🔒 Insurance

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

👻 Ghost score 22%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Flex

WebsiteLinkedInAll Job Openings

11 - 50 employees

💳 Fintech

🤝 B2B

💰 $100M Debt Financing on 2023-09

Fintech • B2B

Flex is an end-to-end finance platform designed for businesses, facilitating various financial operations and enhancing financial management. With a focus on providing comprehensive financial solutions, Flex aims to streamline processes and improve efficiency for its users in the commercial sector.

📋 Description

• Own end-to-end fraud risk management for Flex’s credit card and DDA portfolio across consumer and small business segments • Analyze acquisition and onboarding fraud patterns, identity signals, document authenticity, synthetic identity indicators, and approval anomalies • Monitor KYC/KYB verification performance and identify friction or control gaps • Monitor first-party fraud, third-party fraud, synthetic identity fraud, DDA-specific fraud vectors, and authorization/transaction patterns • Own analytical views of disputes, chargebacks, friendly fraud, recovery rates, and loss emergence timing • Build and maintain fraud detection frameworks for emerging attack patterns • Synthesize device, IP, identity, bureau, transaction, and behavioral data to identify coordinated fraud rings and correlated anomalies • Lead periodic fraud risk reviews and present exposure implications to risk committees and senior leadership • Develop fraud segmentation to improve detection tuning, policy intervention, and loss reserve calibration • Partner with credit, legal and compliance, financial crimes, operations, and product teams • Contribute to fraud-loss scenario analysis and stress testing • Serve as the internal subject-matter expert for fraud analytics, detection standards, taxonomy, and measurement frameworks • Report to the Chief Risk Officer as a member of the Risk Management Leadership Team

🎯 Requirements

• 7–15 years of hands-on fraud risk management experience with direct ownership of detection and loss management across consumer and small business products • Experience spanning both a bank or regulated card program and a fintech strongly preferred • Deep subject matter expertise across first-party, third-party, and synthetic identity fraud typologies • Ability to distinguish fraud typologies analytically across credit card and DDA contexts • Expertise with device fingerprinting, IP intelligence, identity graph analysis, behavioral biometrics, velocity rules, and ML-based anomaly detection • Understanding of DDA fraud vectors, including ACH origination and return abuse, check fraud, Reg E dispute dynamics, and payment fraud/account takeover intersections • Proficiency in SQL and Python or R • Ability to build detection logic, cohort analysis, and loss attribution from raw data • Familiarity with SAR filing thresholds, Reg E obligations, FCRA considerations for adverse action, and BSA/AML red flags • Senior-level perspective on emerging attack vectors and detection assumptions • Ability to model bad-actor exploitation of products, policies, and verification weaknesses • High quantitative aptitude and ability to identify and escalate loss or dispute pattern shifts • Ability to communicate complex fraud dynamics to risk committees, product teams, and senior leadership

🏖️ Benefits

• Equity in the company in addition to base compensation

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