Senior Fraud Analyst

Mudflap; Palo Alto (CA); Hybrid; USD 145,000 - 195,000; Full time

Benefits offered by this job

Competitive salary

Health benefits

401(k) matching

Equity

Career growth

Mudfest offsite

Job summary

Mudflap is modernizing the trucking and fintech space, hiring a Senior Fraud Analyst to design policies, thresholds, and controls as the platform scales across payments rails including ACH.

You will work with Data Science, Product, and Engineering to turn data into actionable rules, build dashboards, and balance risk with growth while maintaining customer experience.

Qualifications

• 5+ years of experience in fraud strategy, risk, or payments in fintech or high-volume payments business.
• Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets.
• Experience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causes.

Responsibilities

• Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products.
• Identify emerging fraud patterns and translate insights into scalable rules, controls, and policies.
• Partner with Data Science to develop, evaluate, and improve fraud detection models.

Skills

Fraud strategy

SQL

Python

Data analysis

Cross-functional leadership

Tools

SQL

Python

Job description

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1.5 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume.

As a Senior Fraud Analyst, you will help shape Mudflap’s fraud strategy as we scale our payments platform and expand into new products and payment rails.

You’ll combine deep analytics, strong fraud intuition, and cross-functional leadership to identify emerging threats, design effective controls, and balance loss prevention with customer experience and growth.

This is a highly visible role for someone who wants to move beyond investigating individual cases and build the systems, strategies, and analytical frameworks that determine how a growing fintech manages fraud at scale.

Work Location:

We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed.

To support our team, we offer:

• Commuter benefits to ease your travel
• Lunches and snacks to keep you fueled
• A collaborative, high-growth environment where you’ll work closely with talented teammates across the company

Expectations (In this role, you will):

• Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products
• Identify emerging fraud patterns and translate insights into scalable rules, controls, and policies
• Partner with Data Science to develop, evaluate, and improve fraud detection models
• Use SQL, Python, and advanced analytics to uncover fraud trends, vulnerabilities, and opportunities
• Define fraud KPIs, loss thresholds, and monitoring frameworks tied to risk appetite and unit economics
• Build dashboards and reporting that surface emerging risks and measure strategy effectiveness
• Partner with Product and Engineering to embed fraud controls into new products and customer experiences
• Evaluate and implement third‑party fraud tools, data sources, and detection capabilities
• Develop fraud strategies that enable safe expansion into new payment rails, including ACH
• Balance fraud prevention, customer friction, growth, and profitability as Mudflap scales

Experience (What we look for):

• 5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or a high-volume payments business
• Hands‑on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss management
• Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred
• Experience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causes
• Strong judgment balancing fraud loss, customer friction, growth, and profitability
• Experience partnering with Data Science, Product, Engineering, and Operations to implement fraud solutions
• Familiarity with card payments, ACH, digital payments, or other complex payment ecosystems
• Ability to turn ambiguous data into clear recommendations and action
• High ownership, curiosity, and comfort operating in a fast-changing environment

Perks and Benefits (What we offer):

• Competitive salary and equity in a high-growth startup
• Multiple health benefit options
• Responsible Time Off
• 401(k) matching
• Opportunities and support for major career growth
• Annual Company offsite event (Mudfest!)

The base salary range for this role is $145,000 - $195,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate’s skills, experience, and other relevant factors will determine the exact compensation.

Company Overview (Who we are):

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affi and Brex.

Here are the core values that we believe in and look for in new teammates:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do
• Make it Count: Act like an owner by focusing on the impact of your work
• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates
• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail
• Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible

Compensation Range: $145K - $195K