Senior Director, Fraud Prevention

turo; Arizona; On-site; USD 180,000 - 220,000; Full time

Job summary

Turo is seeking a Senior Director of Fraud Prevention to own the strategy and execution for identity verification, fraud tooling, and pre-trip investigations in a high-growth marketplace. You will architect systems, playbooks, and detection models while partnering with Product, Engineering, Legal, and Finance to reduce fraud and balance user experience.

You will lead multi-tier teams, manage vendor relationships, and drive data-driven decisions.

Qualifications

• 12 to 15+ years of experience in fraud prevention, identity risk, Trust & Safety, or related fields.
• 10+ years of people management experience, including managers and vendor environments.
• Deep expertise in identity verification, account fraud, document fraud, synthetic identity, and pre-transaction risk decisioning.
• Strong knowledge of fraud tooling vendors and trade-offs between internal vs third party solutions.

Responsibilities

• Own end-to-end strategy for user verification, including identity document verification, liveness, synthetic identity detection, and account monitoring.
• Lead evaluation and optimization of third-party verification tooling (Socure, Ekata, Persona or equivalent).
• Develop decisioning frameworks balancing fraud prevention with conversion and user experience.
• Lead pre-trip fraud review, identify high-risk bookings, and make go/no-go decisions.
• Define investigation workflows, risk scoring, and escalation protocols for rapid, scalable decisions.
• Build feedback loops between investigations and automated detection models.
• Build, develop and hold accountable a multi-tier team across verification and investigations.
• Oversee in-house and vendor operations with P&L and performance management.
• Implement QA, coaching, and productivity standards for consistency.
• Partner with Product and Engineering to build platform controls and risk-based tooling.
• Align with Legal, Finance, and International teams on enforcement and policy.
• Translate insights into product requirements and roadmap priorities.
• Represent Turo with industry associations and government bodies on fraud patterns.
• Synthesize risk signals into clear narratives for senior leadership.
• Define KPIs for verification, fraud prevention, and investigations.

Skills

SQL

Excel

Data visualization tools

Executive communication

People management

Risk assessment

Education

Advanced degree (MBA, JD, MS)

Tools

Socure

Ekata

Persona

Sift

Stripe

Job description

About the team

We are seeking a Senior Director, Fraud Prevention to lead the teams and technology responsible for keeping bad actors off Turo. This is a key role with broad scope. You will own the strategy and execution for user verification, identity fraud prevention, and pre trip fraud investigations. You will be the primary architect of the systems, tools, and operational playbooks that determine who gets access to Turo and who does not.

This role reports to the Chief Risk Officer and partners closely with Product, Engineering, Data Science, Legal, and Claims.

What you will do

Verification & Identity Fraud Strategy

Own the end to end strategy for user verification, including identity document verification, liveness detection, synthetic identity detection, and ongoing account monitoring.

Lead the evaluation, procurement, and optimization of third party verification and fraud tooling such as Socure, Ekata, Persona, or equivalent.

Develop and continuously improve decisioning frameworks that balance fraud prevention with conversion and user experience.

Stay ahead of evolving fraud vectors, including account takeover, document fraud, synthetic identities, and first party misrepresentation, and proactively build countermeasures.

Pre Trip Fraud Investigations

Lead the team responsible for pre trip fraud review, including identifying high risk bookings, escalating for manual review, and making go or no go decisions before a trip begins.

Define investigation workflows, risk scoring criteria, and escalation protocols that enable fast, accurate decisions at scale.

Build feedback loops between investigation findings and automated detection models to continuously improve signal quality.

Team & Operational Leadership

Build, develop, and hold accountable a multi tiered team of senior managers and individual contributors across verification operations and fraud investigations.

Oversee a mix of in house and vendor supported operations, including associated P&L and vendor performance.

Implement QA frameworks, coaching protocols, and productivity standards that ensure consistency and quality across all functions.

Cross Functional Collaboration & Platform Development

Partner with Product and Engineering to build and improve platform controls, automated fraud tooling, and risk based decisioning with a focus on reducing false positives.

Align with Legal, Finance, and International Trust & Safety teams on enforcement protocols, compliance requirements, and global policy.

Translate operational insights into product requirements and engineering priorities and serve as the fraud and verification domain expert for roadmap planning.

Represent Turo with industry associations, government agencies, law enforcement, and technology peers to stay current on emerging fraud patterns.

Executive Communication

Synthesize complex risk signals and operational metrics into clear narratives and strategic recommendations for senior leadership.

Define and own the KPIs that measure the health of verification, fraud prevention, and investigation functions.

Your profile

• 12 to 15+ years of experience in fraud prevention, identity risk, Trust & Safety, or related fields, ideally with meaningful experience at a high growth two sided marketplace or consumer technology platform.
• 10+ years of people management experience, including experience managing managers and overseeing both in house teams and third party vendor environments.
• Deep expertise in identity verification, account fraud, document fraud, synthetic identity, account takeover, and pre transaction risk decisioning.
• Strong knowledge of fraud tooling vendors and the trade offs between building internal solutions and purchasing third party technology.
• Ability to work hands on with data, including proficiency with SQL, Excel, Google Sheets, or data visualization tools.
• Experience partnering with Data Science and Engineering teams to develop and refine fraud detection models.
• Exceptional written and verbal communication skills with the ability to influence executive stakeholders, present to board members, and guide cross functional partners with clarity and confidence.
• Strong strategic leadership skills with the ability to translate fraud trends, operational insights, and data into scalable prevention strategies.
• Demonstrates Turo's operating principles through work product and day to day team interactions.

Bonus if you have

• Advanced degree such as an MBA, JD, or MS.
• Professional certification such as Certified Fraud Examiner (CFE) or Certified Protection Professional (CPP).
• Direct experience with fraud and verification tools such as Sift, Socure, Ekata, Persona, or similar platforms.
• Experience with payment fraud and payment processors such as Stripe.
• Experience within mobility, automotive, or marketplace platforms.

Salary & Benefits

For this role, the target base salary range in Phoenix is $180,000 - $220,000 annually + Bonus. This role is also eligible for equity and benefits. In ge