Senior Associate, Fraud Operations

Warmada; New York (NY); Hybrid; USD 60,000 - 80,000; Full time

Benefits offered by this job

Discretionary bonus

Equity grant

Health plans

401K matching

Paid parental leave

Flexible time off

Job summary

Gemini is seeking a Senior Fraud Operations Associate to strengthen fraud detection across Exchange, Credit Card, and other product lines. You will investigate scams, payment instrument abuse, and account takeovers, collaborating with product, engineering, and data science to balance security with customer experience.

You will analyze ACH/credit card/wallet data, review device telemetry and blockchain signals, and respond to customers to gather information for informed decisions.

Qualifications

• BA/BS in finance, economics, accounting, or related fields, or equivalent experience in said field
• 3-5+ years of direct fraud investigative experience, including in ACH and credit card fraud
• 2-5+ years of direct scam and account integrity investigative experience
• Knowledge of device telemetry data, account integrity systems, and internet technologies, such as VPNs
• Strong verbal and written communication skills
• Comfortable with making decisions in high ambiguity environments
• A healthy balance of empathy and skepticism, and the ability to acknowledge incorrect decisions

Responsibilities

• Investigate financial fraud and scams across multiple product lines
• Review complex data sets, such as ACH/debit card/credit card/wallet transactions, device telemetry, and blockchain data
• Respond to customers to obtain additional information regarding the actions that occurred on their account to make a properly informed decision
• Identify trends and patterns in fraud activity and suggest rule, feature, and policy updates
• Deeply understand the customer journeys to identify pain points due to fraud controls and suggest updates to alleviate them
• Leverage experience and knowledge to suggest improvements to operational flows
• Prepare fraud reports on material investigations and general fraudulent activity and present to leadership at weekly meetings
• This role may require an on-call or extended hours during fraud events

Skills

Fraud investigations

Data analysis

Communication skills

Ambiguity tolerance

Education

BA/BS in finance, economics, accounting, or related fields

Tools

IDV tools

KYC systems

Transaction monitoring systems

Job description

About the Company

Gemini is a global crypto and Web3 platform founded by Cameron and Tyler Winklevoss in 2014, offering a wide range of simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. Our mission is to unlock the next era of financial, creative, and personal freedom by providing trusted access to the decentralized future. We envision a world where crypto reshapes the global financial system, internet, and money to create greater choice, independence, and opportunity for all — bridging traditional finance with the emerging cryptoeconomy in a way that is more open, fair, and secure. As a publicly traded company, Gemini is poised to accelerate this vision with greater scale, reach, and impact.

The Department: Risk Engineering

The Role: Senior Associate, Fraud Operations

As a Senior Fraud Operations Associate in the Fraud domain, you will work to enhance and expand the features of our fraud detection and mitigation systems across various product lines, including Exchange, Credit Card, Equities, Predictions, Wallet, and across the entire customer lifecycle. You will be responsible for investigating customer accounts for first, second, and third party fraud, including payment instrument abuse, scams, and account takeovers. You will also be instrumental in shaping Gemini’s fraud models and rules, working regularly with product, engineering, and data science, as well as improving and optimizing operations itself to ensure a balance between customer friction and fraud.

Responsibilities:

Investigate financial fraud and scams across multiple product lines

Review complex data sets, such as ACH/debit card/credit card/wallet transactions, device telemetry, and blockchain data

Respond to customers to obtain additional information regarding the actions that occurred on their account to make a properly informed decision

Identify trends and patterns in fraud activity and suggest rule, feature, and policy updates

Deeply understand the customer journeys to identify pain points due to fraud controls and suggest updates to alleviate them

Leverage experience and knowledge to suggest improvements to operational flows

Prepare fraud reports on material investigations and general fraudulent activity and present to leadership at weekly meetings

This role may require an on-call or extended hours during fraud events

Minimum Qualifications:

BA/BS in finance, economics, accounting, or related fields, or equivalent experience in said field

3-5+ years of direct fraud investigative experience, including in ACH and credit card fraud

2-5+ years of direct scam and account integrity investigative experience

Knowledge of device telemetry data, account integrity systems, and internet technologies, such as VPNs

Strong verbal and written communication skills

Comfortable with making decisions in high ambiguity environments

A healthy balance of empathy and skepticism, and the ability to acknowledge incorrect decisions

Preferred Qualifications:

Regional fraud knowledge, including in the US and Singapore

Experience with IDV, KYC, and transaction monitoring systems

It Pays to Work Here

The compensation & benefits package for this role includes:

• Competitive starting pay
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid Parental Leave
• Flexible time off

Hourly Range: The hourly range for this role is between $43.50 - $58.00 in the State of New York. This range is not inclusive of our discretionary bonus or equity package. When determining a candidate’s compensation, we consider a number of factors including skillset, experience, job scope, and current market data.

In the United States, we offer a hybrid work approach at our hub offices, balancing the benefits of in-person collaboration with the flexibility of remote work. Expectations may vary by location and role, so candidates are encouraged to connect with their recruiter to learn more about the specific policy for the role. Employees who do not live near one of our hubs are part of our remote workforce. All employees, however, are required to onboard in-person at one of our office locations.

At Gemini, we strive to build diverse teams that reflect the people we want to empower through our products, and we are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. Equal Opportunity is the Law, and Gemini is proud to be an equal opportunity workplace. If you have a specific need that requires accommodation, please let a member of the People Team know.

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