Fraud Strategist

Stripe; Singapore; On-site; SGD 166,000 - 250,000; Full time

Benefits offered by this job

Equity

Company bonus or sales commissions/bon

Retirement plans

Health benefits

Wellness stipend

Job summary

Stripe is seeking an experienced Fraud Strategist for the APAC Risk team to identify and reduce transaction and merchant fraud across Stripe’s APAC markets. You will monitor portfolio health, investigate threats, and design scalable controls that reduce losses without creating friction for legitimate businesses.

You will partner with Product, Engineering, Data Science, Operations, and other Risk teams to implement regional strategies, KPIs, and risk models, balancing protection with user

Qualifications

• 7+ years of relevant experience in fraud strategy, payments risk, financial services, fintech, trust and safety, data, or a related field.
• Experience investigating fraud or other risk patterns using account and transaction data.
• Strong analytical judgment and the ability to frame business decisions and tradeoffs through quantitative analysis.
• Intermediate SQL skills and experience applying SQL in a business environment.
• Experience defining metrics, assessing performance, and translating analysis into practical recommendations.
• Experience partnering with technical and operational teams such as Product, Engineering, Data Science, Operations, or Partnerships.
• Strong written and verbal communication skills, including the ability to explain complex risk issues to technical and nontechnical audiences.
• Demonstrated project management skills and the ability to drive execution across teams with different priorities.
• Sound decision making in ambiguous or time sensitive situations, with a willingness to learn and iterate as new evidence emerges.
• Empathy for legitimate users and an ability to balance scaled risk controls with user experience.

Responsibilities

• Monitor transaction and merchant fraud trends across APAC and investigate anomalous behavior at the merchant, account, and transaction level.
• Define, build, and maintain regional fraud health metrics. Set targets, identify material changes, and communicate the drivers of performance.
• Develop short and long term fraud strategies for APAC markets, products, and payment methods. Translate investigations into clear controls, product requirements, model improvements, and operational actions.
• Partner with Product, Engineering, Data Science, Operations, Partnerships, and other Risk teams to scope, prioritize, and deliver fraud mitigation work.
• Assess fraud risks for new country, product, and local payment method launches. Define mitigations before launch and monitor outcomes after launch.
• Balance fraud loss, user experience, operational cost, conversion, and growth when recommending or implementing controls.

Skills

Fraud strategy

Payments risk

Data analysis

SQL

Decision making

Cross-functional collaboration

Communication skills

Project management

Empathy for users

Ambiguity tolerance

Tools

Python

R

Stata

Machine learning basics

Job description

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies, from the world’s largest enterprises to the most ambitious startups, use Stripe to accept payments, grow their revenue, and pursue new business opportunities. Our mission is to increase the GDP of the internet. We have significant work ahead, which gives you the opportunity to do important work that expands access to the global economy.

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies, from the world’s largest enterprises to the most ambitious startups, use Stripe to accept payments, grow their revenue, and pursue new business opportunities. Our mission is to increase the GDP of the internet. We have significant work ahead, which gives you the opportunity to do important work that expands access to the global economy.

About The APAC Risk Team

The APAC Risk team helps Stripe launch and grow products responsibly across a diverse and rapidly evolving region. We work closely with global and regional partners across Product, Engineering, Data Science, Operations, Partnerships, and Risk to identify emerging risks, define practical controls, and make risk decisions easier to execute at scale. The team supports Stripe’s growth in APAC by combining deep regional context with strong analytical judgment. We assess how fraud patterns, payment methods, user behavior, market structures, and regulatory expectations vary across countries. We use those insights to build strategies that protect Stripe and the broader payments ecosystem while preserving a strong experience for legitimate users.

What you’ll do

As a Fraud Strategist on the APAC Risk team, you will be responsible for identifying and reducing transaction and merchant fraud across Stripe’s products and markets in the region. You will monitor the health of Stripe’s APAC portfolio, investigate emerging threats, and build scalable strategies that reduce losses without creating unnecessary friction for legitimate businesses. You will work on complex and fast moving problems where the available information is often incomplete and fraud patterns evolve quickly. Your work may range from investigating an anomalous fraud trend to designing a regional control, defining a model feature, improving a manual review workflow, or shaping the risk approach for a new product, payment method, or country launch.

Responsibilities

• Monitor transaction and merchant fraud trends across APAC and investigate anomalous behavior at the merchant, account, and transaction level.
• Define, build, and maintain regional fraud health metrics. Set targets, identify material changes, and communicate the drivers of performance.
• Develop short and long term fraud strategies for APAC markets, products, and payment methods. Translate investigations into clear controls, product requirements, model improvements, and operational actions.
• Partner with Product, Engineering, Data Science, Operations, Partnerships, and other Risk teams to scope, prioritize, and deliver fraud mitigation work.
• Assess fraud risks for new country, product, and local payment method launches. Define mitigations before launch and monitor outcomes after launch.
• Balance fraud loss, user experience, operational cost, conversion, and growth when recommending or implementing controls.
• Improve and automate fraud risk workflows through data, internal tools, and agent based solutions where these can increase consistency, speed, or coverage.
• Work with users and external partners when needed to explain fraud risks, improve controls, and support a healthy payments ecosystem.
• Produce clear regional reporting for senior stakeholders, risk governance forums, and other internal audiences.

Who you are

We are looking for someone who is naturally curious, analytically strong, and comfortable making decisions in ambiguous situations. You investigate unusual patterns until you understand the underlying mechanism. You can turn data and domain context into a clear risk decision, then work across teams to make that decision operational.

You understand that effective fraud strategy is not simply about reducing losses. It requires thoughtful tradeoffs between protection, growth, user experience, and operational complexity. You communicate those tradeoffs clearly and remain open to new evidence and feedback.

Minimum Requirements

• 7 or more years of relevant experience in fraud strategy, payments risk, financial services, fintech, trust and safety, data, or a related field.
• Experience investigating fraud or other risk patterns using account and transaction data.
• Strong analytical judgment and the ability to frame business decisions and tradeoffs through quantitative analysis.
• Intermediate SQL skills and experience applying SQL in a business environment.
• Experience defining metrics, assessing performance, and translating analysis into practical recommendations.
• Experience partnering with technical and operational teams such as Product, Engineering, Data Science, Operations, or Partnerships.
• Strong written and verbal communication skills, including the ability to explain complex risk issues to technical and nontechnical audiences.
• Demonstrated project management skills and the ability to drive execution across teams with different priorities.
• Sound decision making in ambiguous or time sensitive situations, with a willingness to learn and iterate as new evidence emerges.
• Empathy for legitimate users and an ability to balance scaled risk controls with user experience.

Preferred Qualifications

• Experience with transaction fraud, merchant fraud, account takeover, or abuse in an online payments environment.
• Experience working across APAC markets or with regional payment methods and local market structures.
• Advanced SQL skills or experience with quantitative tools such as Python, R, or Stata.
• Experience partnering with machine learning or Data Science teams on model features, rules, detection, or measurement.
• Experience assessing fraud risk for new products, payment methods, or country launches.
• Experience designing risk controls, monitoring frameworks, operational workflows, or policy.
• Experience using automation, AI tools, or agent based workflows to improve risk processes.
• Experience in a fast moving environment where threats, products, and priorities change quickly.

In-office expectations

Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico, Bengaluru, India, and Dublin, Ireland work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible.

Pay and benefits

The annual salary range for this role in the primary location is SGD 166,400 - SGD 249,600. This range may change if you are hired in another location. For sales roles, the range provided is the role’s On Target Earnings(“OTE”) range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and specific location. Applicants interested in this role and who are not located in the primary location may request the annual salary range for their location during the interview process. Specific benefits and details about what compensation is included in the salary range listed above will vary depending on the applicant’s location and can be discussed in more detail during the interview process. Benefits/additional compensation for this role may include: equity, company bonus or sales commissions/bonuses; retirement plans; health benefits; and wellness stipends.

We look forward to hearing from you. At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us.