Staff Risk Analyst

Responsibilities

Fraud & Identity Strategy

• Own the full fraud policy lifecycle — spanning identity verification, account opening, deposits, card transactions, and key monetary actions — from signal analysis and risk design through rule implementation, monitoring, iteration, and ongoing optimization
• Proactively identify emerging fraud vectors and redesign controls before losses materialize
• Support AML rule design, simulation, and governance in partnership with Financial Crimes Compliance

Cross-Functional Program Leadership

• Define the long-term fraud strategy that anchors roadmap priorities across Product and Engineering
• Lead fraud initiatives spanning Engineering, Product, Compliance, Fraud Ops, and external partners, including Visa and banking partners
• Serve as the primary escalation point during fraud incidents and ATO attacks — leading real-time response across teams
• Drive alignment on risk decisions that balance fraud exposure, customer experience, and regulatory requirements simultaneously

Analytics & Organizational Enablement

• Build and maintain fraud dashboards enabling real-time monitoring and self-serve analytics
• Mentor junior analysts and build knowledge transfer programs to scale fraud capability across the organization

Requirements

• 7+ years in analytics within fintech or consumer products
• Bachelor’s, Master’s, or PhD, or equivalent industry experience
• Demonstrated experience with SQL and experience with Python or R
• Experience with external fraud platforms such as Visa Risk Manager, Socure, or equivalent
• Demonstrated ability to lead cross-functional programs without formal authority
• Proven track record of driving structural improvements in fraud outcomes across multiple domains simultaneously
• Skilled at using data to identify emerging fraud trends, quantify exposure, and translate analytical findings into actionable policy and control changes
• Strong understanding of how a credit card program works end-to-end — including transaction lifecycle, authorization and decline flows, dispute and chargeback processes, credit reporting obligations, and the relationship between card networks, issuing banks, and program managers
• Strong communicator who can translate fraud concepts for non-technical audiences and business requirements into system design decisions
• Comfortable operating under ambiguity and driving from incident to structured action quickly

Nice-to-Haves

• Experience with Periscope, Tableau, Databricks, Amplitude, and/or Optimizely

Compensation

• US base salary range: $170,000-$210,000, plus equity and benefits