Senior Fraud Investigator - Financial Products

Senior Fraud Investigator - Financial Products

This role is focused on protecting the integrity, security, and scalability of modern financial products within a fast-growing digital environment. You will lead investigations into fraud risks across customer onboarding, account activity, payments, disputes, and identity verification workflows. Working at the intersection of fraud prevention, operational risk, and customer experience, you will help strengthen controls while supporting sustainable business growth. The position involves close collaboration with cross-functional teams including Product, Engineering, Compliance, Finance, and Operations to improve fraud detection strategies and operational processes. You will play a key role in identifying emerging threats, reducing financial losses, and enhancing trust across financial products and customer interactions. This is an ideal opportunity for someone who thrives in analytical, high-impact environments where ownership and strategic thinking are highly valued. Your contributions will directly influence risk operations, fraud mitigation, and long-term platform reliability.

Accountabilities:

• Conduct investigations into suspicious activities, including identity fraud, payment fraud, account misuse, dispute abuse, and operational risk events across financial products.
• Execute fraud review workflows related to customer onboarding, KYC verification, account monitoring, and escalation handling.
• Monitor fraud and operational dashboards to identify emerging risks, behavioral trends, anomalies, and opportunities for process improvements.
• Collaborate cross-functionally with Product, Engineering, Compliance, Finance, Operations, and external partners to strengthen fraud controls and close operational gaps.
• Support the development and refinement of fraud prevention procedures, operational playbooks, and risk management controls.
• Analyze root causes behind fraud losses or operational failures and recommend scalable improvements to policies, workflows, and tooling.
• Contribute to fraud reporting and KPI tracking by helping improve visibility into operational performance and risk trends.
• Assist with escalation management and incident response processes to ensure timely and effective resolution of fraud-related events.

Requirements:

• 3+ years of experience in fraud operations, financial crime investigations, payment fraud, KYC, trust and safety, or related risk functions within fintech, ecommerce, or financial services environments.
• Strong understanding of fraud prevention methodologies, operational risk controls, and identity verification processes.
• Proven ability to investigate complex fraud cases with strong analytical thinking, attention to detail, and sound judgment.
• Excellent communication skills with the ability to clearly explain risk decisions and collaborate effectively across teams.
• Comfortable operating in fast-paced, ambiguous, and cross-functional environments with shifting priorities.
• Familiarity with fraud prevention platforms, identity verification tools, or operational risk systems is a plus.
• Exposure to SQL, BI tools (Looker, Tableau, Power BI), or analytics-driven fraud investigations is advantageous.
• Knowledge of card products, deposit accounts, cash advance products, or related financial product risks is preferred.
• Relevant certifications such as CFE, CPFPP, or similar credentials are considered a plus.

Benefits:

• Remote-first work environment with flexibility to work from anywhere and manage your own schedule.
• Unlimited paid time off, recharge days, and company-sponsored team offsites.
• Competitive compensation package including salary, equity options, annual bonuses, and retirement matching.
• Comprehensive health and wellness benefits designed to support personal and professional well-being.
• Generous parental leave and flexible return-to-work support for growing families.
• Wellness stipends, learning budgets, and development resources to support continuous growth.
• Additional lifestyle perks including travel discounts and weekly meal credits.