Manager, Fraud Operations

Affirm; Phoenix (AZ); On-site; USD 115,000 - 180,000; Full time

Benefits offered by this job

Health coverage for you and dependents

Employee stock purchase plan (ESPP)

Stipends for health, wellness and tech

Job summary

Affirm is seeking a Fraud Operations Manager to lead multiple fraud operations teams and develop a high‑performing culture. You will coach a mix of people leaders and ICs, drive productivity, quality, and customer outcomes, and partner with recruiting to attract top talent.

The role emphasizes setting a clear strategy, improving efficiency and compliance, and maintaining a healthy, data‑driven operating model across disputes and fraud prevention activities.

Qualifications

• 6+ years of direct experience in disputes, fraud risk prevention and detection within FinTech/tech industry.
• 5+ years of experience in fraud management or related people management roles, including leading managers or senior ICs.
• Proven ability to set strategy and deliver large-scale operational change with measurable impact on efficiency, quality, and customer experience.
• Strong strategic planning, risk management, and prioritization skills, balancing short-term delivery and long-term capability building.
• Exceptional executive communication and influence skills, aligning diverse stakeholders.
• Experience with AI project-driven initiatives (e.g., AI-enabled tools, agent assist, automation).
• Experience in Lean Six Sigma, continuous improvement practices, and data-driven methodologies to drive scalable efficiency.
• Working knowledge of scripting & querying languages (e.g., Python, SQL) is a plus.

Responsibilities

• Lead & Develop Talent across multiple teams/pods, including feedback, performance mgmt, and career development.
• Define and champion an operational strategy and roadmap to improve function, efficiency, quality, and compliance.
• Drive cross-functional alignment, translate business goals to team objectives, and manage incident resolution.

Skills

Disputes experience

Fraud risk prevention

People management

Executive communication

Strategy & planning

AI project initiatives

Lean Six Sigma

Python/SQL knowledge

Job description

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

About The Operations Team

The Operations team delivers seamless customer experiences and enables new product capabilities while ensuring operational excellence. The team owns strategy, planning, technical execution, customer service, fraud operations, process design, quality, training, and program management. We drive efficiency, resolve issues quickly, and scale operations as the business grows. Our goal is to deliver seamless support while maintaining high standards and reducing risk.

About The Role

As a Fraud Operations Manager, you will play a critical, strategic leadership role responsible for overseeing operations across multiple Fraud Operations teams and pods, including those focused on disputes and compliance work. You will lead and develop people leaders and Individual Contributors (ICs) and be accountable for defining and executing a strategy to improve team function and drive scalable efficiency. A primary focus is cultivating a high-performance, psychologically safe culture that ensures teams meet business objectives, including productivity and accuracy, while fostering a strong sense of belonging, inclusion, and personal development.

What You'll Do

Lead & Develop Talent

• Lead, coach, and develop a group of people leaders and Individual Contributors (ICs) across multiple, specialized teams/pods, providing ongoing feedback, performance management, and career development to build long-term organizational capability.
• Drive team performance using key metrics such as productivity, quality, customer outcomes, and service levels.
• Foster a high-performing, engaged team environment that operates effectively in a fast-paced, evolving environment.
• Partner with recruiting to hire, onboard, and retain top talent.

Set Strategy & Own Program Performance

• Define and champion a clear operational strategy and roadmap to significantly improve the function, efficiency, quality, and compliance of your assigned teams/pods.
• Drive operational excellence by leveraging domain expertise to identify and implement transformational changes and efficiencies that simplify investigator workflows.
• Ensure full accountability for service levels and productivity of assigned areas, proactively managing queue health through data‑driven burn down plans to maintain a healthy buffer.

Drive Cross-Functional Alignment

• Translate broader business goals into clear team-level objectives, providing clear, transparent communication to ensure operational alignment.
• Proactively identify and mitigate systemic issues by looking beyond standard reporting and collaborating with cross‑functional partners.
• Serve as the ultimate escalation point for complex merchant, user, or internal stakeholder issues, establishing robust frameworks for incident resolution.
• Research and resolve risk events stemming from process breakdowns.

What We Look For

• 6+ years of direct experience in disputes, fraud risk prevention and detection within FinTech/tech industry.
• 5+ years of experience in fraud management or related people management roles, including proven experience leading managers or senior ICs.
• Demonstrated success setting strategy and delivering large-scale operational change with measurable impact on efficiency, quality, and customer experience.
• Strong strategic planning, risk management, and prioritization skills, with the ability to balance short-term delivery and long-term capability building.
• Exceptional executive communication and influence skills, with the ability to align diverse stakeholders.
• Proven experience in leading teams through major change and comfort with ambiguity.
• Ability to maintain composure and act as a role model when presented with barriers or when results are not as expected.
• Experience with AI project-driven initiatives (e.g., leveraging AI-enabled tools, agent assist, or automation to improve operational efficiency or knowledge management).
• Experience in Lean Six Sigma, continuous improvement practices, and/or data‑driven methodologies to drive scalable efficiency.
• Working knowledge of scripting & querying languages (e.g., Python, SQL) is a plus.

Base Pay Grade - J

Equity Grade - 6

Employees new to affirm typically come in at the start of the pay range. affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job‑related skills.

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents).

USA base pay range (CA, WA, NY, NJ, CT) per year: $130,000 - $180,000

USA base pay range (all other U.S. states) per year: $115,000 - $165,000

Affirm is proud to be a remote‑first company! The majority of our roles are remote and you can work almost anywhere within the country of employment. affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned affirm office. A limited number of roles remain office‑based due to the nature of their job responsibilities.

Benefits

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include:

• Health care coverage - affirm covers all premiums for all levels of coverage for you and your dependents.
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses.
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge.
• ESPP - An employee stock purchase plan enabling you to buy shares of affirm at a discount.

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

[For U.S. positions that could be performed in Los Angeles or San Francisco] Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, affirm will consider for employment qualified applicants with arrest and conviction records.