Fraud Strategy Lead — Card Payments & Risk

Cardless; San Francisco (CA); In loco; USD 150.000 - 210.000; Tempo pieno

Vantaggi offerti da questo lavoro

Meaningful Start-up equity

100% health, vision & dental primary

75% health, vision & dental dependent

Catered lunches

$250/month Commuter benefit

Parental leave

Team building events & happy hours

Flexible PTO with a minimum of 15 days

Apple equipment

401k plan

Descrizione del lavoro

Cardless is hiring a Fraud Strategy Manager to lead how we evaluate and respond to transactions across our credit card portfolio. You will shape decisioning, account takeover controls, and fraud response plans, partnering with data science, product, engineering, compliance, and operations to protect customers while maximizing valid transactions.

Reporting to the Chief Risk Officer, you will drive KPI-driven measurement, real-time monitoring, and cross-team collaboration to implement policy

Competenze

• 5+ years of experience in transaction fraud strategy at a card issuer, fintech, payments network, or financial institution.
• Experience with transaction fraud decisioning across card-not-present, card-present, account takeover, payment fraud, and coordinated fraud events.
• Working knowledge of Visa, Mastercard, or Amex network rules, including authorization, chargebacks, disputes, and fraud monitoring programs.
• Familiarity with payment hold strategy and funding fraud patterns such as ACH returns, payment reversals, and bust-out behavior.
• SQL skills and experience using data to build, evaluate, and tune fraud rules and models.
• Clear communication, including the ability to explain fraud tradeoffs and recommendations to executives, network partners, and compliance teams.
• A collaborative, proactive approach: you’re comfortable acting on incomplete information, asking good questions, and bringing teams together around a decision.

Mansioni

• Transaction decisioning: Lead the framework for approve, decline, and step-up decisions across all Cardless-issued cards, balancing fraud prevention with authorization rates and cardholder experience.
• Account takeover and changes: Design detection and authentication controls for credential compromise, SIM swap, and sensitive changes while keeping self-service easy.
• Payment risk: Set strategy for holds on ACH payments and balance transfers, detect funding fraud patterns, and define timelines and communication for customers.
• Coordinated fraud events: Build real-time monitoring and response plans for BIN attacks, merchant compromises, and fraud rings, coordinating with operations and partners.
• Measurement: Define fraud KPIs, run portfolio reviews, and build reporting to support policy updates.
• Partnership: Translate strategy into system requirements with product/engineering, ensure compliance with Reg E/Z, and support dispute workflows.

Descrizione del lavoro

Cardless is hiring a Fraud Strategy Manager to lead how we evaluate and respond to transactions across our credit card portfolio. You will shape decisioning, account takeover controls, and fraud response plans, partnering with data science, product, engineering, compliance, and operations to protect customers while maximizing valid transactions.

Reporting to the Chief Risk Officer, you will drive KPI-driven measurement, real-time monitoring, and cross-team collaboration to implement policy