Flex

Compensation

Full Description

Job Description: • Program build: Design and stand up our multi‑layer fraud stack (application, account opening/funding, account takeover, transaction monitoring, disputes/chargebacks). • Vendor strategy: Select, integrate, and tune identity, device, behavioral, and transaction‑risk providers; negotiate and measure ROI. • Decisioning & analytics: Develop rules, features, and models; define thresholds to control false positives/negatives; run A/Bs and champion‑challengers. • Data & signals: Operationalize bureau, banking, PII, device/IP, email/phone, telco, velocity, and network signals into a single decisioning framework. • Program Quality & performance: Monitor precision, capture rate, approval impact, and loss basis points; calibrate and backtest. • Cross‑functional execution: Partner with Product, Engineering, Data, Ops, and Compliance (KYC/AML, FCRA/GLBA, Reg E/Reg Z). • Guide dispute strategy to minimize friendly/first‑party abuse. Requirements: • 7+ years in issuer‑side fraud for cards and/or DDA/neobank (experience on the Consumer and Commercial side is a definite plus). • Demonstrated build‑from‑scratch experience: stood up a new fraud stack or materially re‑platformed one. • Hands‑on with SQL and practical Python/R for feature/rule prototyping and performance analysis. • Depth in 1st‑party vs 3rd‑party vs synthetic patterns (e.g., bust‑out, thin‑file synths, ATO). • Proven track record balancing loss bps versus approval rate and customer friction. • Vendor evaluation and commercial ownership (pricing, SLAs, monitoring, deprecation). • Comfort working independently; can own roadmap, write PRDs/specs, and ship with engineers. Benefits: