Responsibilities

• Identify emerging fraud, abuse, and identity risks across financial products; partner with Product, Compliance, and Engineering to design and optimize policies, rules, and controls that balance growth, customer experience, and profitability
• Conduct deep-dive investigations into complex fraud and abuse patterns, including identity theft, synthetic identity activity, and transaction fraud
• Oversee KYC program execution and collaborate with the sponsor bank to ensure compliance with BSA/AML obligations, including suspicious activity reporting and watchlist monitoring
• Develop, monitor, and report on key performance indicators and loss metrics related to financial products risk
• Manage and coach a team of risk analysts, ensuring clear prioritization, analytical rigor, and high-quality execution

Requirements

• 5+ years of experience in fraud prevention or risk operations, with at least 2 years focused on financial products or identity
• 2+ years of people management or team leadership experience
• Proficiency in data exploration using SQL and/or BI tools (e.g., Looker, Tableau)
• Experience collaborating with Product, Engineering, Legal, or Finance on risk policy or control design
• Strong analytical and problem-solving skills; thrives in fast-paced, ambiguous environments

Bonus Points

• Working knowledge of BSA/AML and sponsor bank oversight
• Familiarity with the ACH system and Nacha rules
• Bachelor’s degree in Business Administration, Finance, or related field; advanced degree preferred
• Professional certifications such as CPFPP, CAMS, or CFE

Compensation

• $95,000 - $156,000 USD annually; regional salary bands apply for Canadian locations

Work Environment

• Remote-first flexibility allowing work from anywhere
• Full-time position based in the United States due to bank requirements