Fraud Strategy Lead, Credit Card & DDA
Flex
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇺🇸 United States
Visit company websiteSalary
💰 $160,000 - $200,000 per year
Job Level
Senior
Tech Stack
PythonSQL
About the role
- 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.
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
SQLPythonRfraud stack developmentfeature prototypingperformance analysisA/B testingbacktestingdata operationalizationrisk modeling
Soft skills
independent workroadmap ownershipcommunicationcollaborationnegotiationanalytical thinkingproblem-solvingdecision-makingstrategic planningcross-functional teamwork