# Fraud And Abuse Operations Analyst

**Company:** [Plaid](https://hotfix.jobs/companies/plaid)
**Location:** San Francisco, CA, Seattle, WA, Raleigh, NC, New York, NY
**Role:** Other
**Salary:** $138k – $163k/yr
**Experience:** 3+ years
**Skills:** SQL, Threat Modeling, Fraud Detection, Incident Response, Investigations, Machine Learning, AI Agents, Data Analysis
**Posted:** 2026-06-03

> Respond to fraud and abuse events on Plaid's platform via on-call rotation, investigate claims, triage SEVs, perform threat modeling, and partner with product/engineering teams to improve fraud mitigation strategies. Requires 3+ years in fraud operations, trust & safety or incident response, SQL proficiency, knowledge of fraud typologies and TTPs.

## Job Description

## Responsibilities
- Participate in the abuse on-call rotation, responding to and resolving fraud and abuse events to protect users and customers.
- Investigate fraud and abuse claims from diverse sources, partnering with senior teammates on complex cases; findings inform decisions and strategies to prevent future incidents and minimize losses.
- Proactively perform threat modeling of abuse surfaces and continuously survey external fraud trends, adversary techniques, tooling, and emerging threat vectors.
- Help triage and manage fraud and abuse events as internal incidents (SEVs), collaborating across teams to drive resolution and minimize disruption.
- Partner with Consumer Risk and other product teams, providing operational insights from on-call and investigations to inform development of effective fraud mitigation solutions.

## Qualifications
- 3+ years of experience in fraud/abuse operations, trust & safety, and/or incident response.
- Experience triaging fraud or related incidents with tight containment deadlines.
- Experience managing escalations and making informed trade-off decisions with multiple stakeholders.
- Ability to coordinate and communicate effectively with internal Legal, Compliance, Comms and other risk management teams during incident triage.
- Battle-tested mental model for balancing fraud mitigation vs. conversion, calibrated to Plaid’s business objectives under pressure.
- Working knowledge of fraud typologies (account takeover, payments fraud, ACH fraud, chargebacks, kiting, rewards harvesting, etc.).
- Familiarity with TTPs used by bad actors to commit fraud on the web and common mitigation strategies (with pros/cons).
- Dark and grey-web navigation and investigation experience; ability to assess source credibility and translate external intelligence into actionable insights.
- Experience translating fraud investigations and research into actionable detection signals, rules, and labeled datasets; partnering with DS/ML and product teams to improve feature sets, labeling quality, evaluation frameworks, and model decay monitoring.
- Experience developing and maintaining threat models for authentication and other high-risk product surfaces, with a track record of proactively identifying emerging risks.
- Proficiency with SQL for querying data sets and building reports.
- Comfortable with common analysis tools and manipulation tools.
- Ability to spot anomalies and fraudulent patterns in logs and other data sets (transactions, request data, etc.), with judgment to escalate ambiguous cases.
- Experience contributing improvements to operational processes and controls.
- Strong written and verbal communication skills.

## Nice-to-Haves
- Familiarity with machine learning models for fraud detection.
- Fraud domain certifications (e.g., CFE/fraud examination background).
- Exposure to production ML model lifecycles and metrics for drift/decay.
- Effective use of AI and AI agents to accelerate investigations and research.

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