Senior Fraud Strategy Architect (Fintech, Scale & Growth)

Mudflap; Austin (TX); Hybrid; USD 135,000 - 185,000; Full time

Benefits offered by this job

Commuter benefits

Lunches and snacks

Collaborative, high-growth environment

Competitive salary and equity

Job summary

Mudflap is seeking a Senior Fraud Strategy Analyst to shape fraud policy as its payments platform scales. You will design scalable controls, partner with Data Science, and lead cross-functional initiatives to balance loss prevention with growth.

The role focuses on evolving fraud strategies across payments products, implementing monitoring frameworks, and building dashboards to surface risks. Remote-friendly with in-person collaboration in Austin or Palo Alto.

Qualifications

• 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

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
• 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

Skills

SQL

Python

Fraud strategy

Data analysis

Cross-functional collaboration

Risk management

Tools

Spreadsheet

Excel

Job description

Mudflap is seeking a Senior Fraud Strategy Analyst to shape fraud policy as its payments platform scales. You will design scalable controls, partner with Data Science, and lead cross-functional initiatives to balance loss prevention with growth.

The role focuses on evolving fraud strategies across payments products, implementing monitoring frameworks, and building dashboards to surface risks. Remote-friendly with in-person collaboration in Austin or Palo Alto.