Senior Fraud Analyst

Mudflap; United States; Remote; USD 120,000 - 165,000; Full time

Benefits offered by this job

Flexible remote work

Career growth opportunities

Collaborative team

Impact on fintech scale

Job summary

Mudflap is seeking a Senior Fraud Analyst to shape and scale our fraud strategy across the payments platform and new rails. You will lead cross-functional collaboration to design controls, monitor risk, and balance loss prevention with growth and customer experience.

You will work with Data Science to build models, define KPIs, and develop scalable solutions across card, ACH, and digital payments. This is a remote-friendly, high-impact role with opportunities to influence a $1 trillion payments

Qualifications

• 5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or high-volume payments.
• Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred.
• Hands-on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss management.
• 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.

Responsibilities

• Shape Mudflap’s fraud strategy as we scale our payments platform and expand into new products and rails.
• 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.
• 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.
• Embed fraud controls into new products and customer experiences with Product and Engineering.
• Evaluate and implement third-party fraud tools, data sources, and detection capabilities.

Skills

Advanced SQL

Python

Spreadsheets

Fraud analytics

Cross-functional leadership

Data-driven decision making

Job description

• 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
• 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

Benefits

• An open mind to new ideas and methodologies
• A high bar for quality and commitment to self-improvement
• Opportunities and support for massive career growth
• A team of talented individuals on a mission to change a $1 trillion industry for the better
• A flexible, remote-first company

Hands-on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss managementFamiliarity with card payments, ACH, digital payments, or other complex payment ecosystemsAbility to turn ambiguous data into clear recommendations and actionStrong judgment balancing fraud loss, customer friction, growth, and profitabilityExperience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causesHigh ownership, curiosity, and comfort operating in a fast-changing environment5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or a high-volume payments businessStrong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferredExperience partnering with Data Science, Product, Engineering, and Operations to implement fraud solutions