Software Engineer – Credit Card/Fraud

Jobtailor; Colorado; On-site; USD 120,000 - 160,000; Full time

Job summary

Jobtailor in Colorado is seeking a Senior Fraud Engineer to reduce declines in card transactions and improve fraud detection across the program. You will own rules, real-time monitoring, and automated mitigation, query transaction data to spot patterns, and collaborate with product, CX, compliance and risk teams.

Experience in fintech, card issuing, or issuer processing is a plus. The role emphasizes hands-on data analysis, building tooling, and cross-functional collaboration to prevent fraud at

Qualifications

• Strong fundamentals in software engineering and problem solving.
• 4+ years of professional coding experience, shipping products.
• Product sense and focus on resolving causes of declined transactions.
• Comfortable querying and analyzing data.
• Genuine interest in adversarial problems and identifying patterns in transaction data.
• Resume required; candidates may be located in the Cayman Islands, Denver, or New York, or be open to relocation; work authorization can be provided for Grand Cayman.

Responsibilities

• Improve the card transaction experience by eliminating causes of declines, failed authorizations, stuck holds, and user friction.
• Improve the card program by identifying breakpoints, proposing fixes, and shipping them.
• Hunt fraud and abuse patterns including card testing, cashback farming, merchant abuse, friendly fraud, trial and force-post abuse, and multi-account rings.
• Own fraud rules, queues, scoring logic in Sardine, real-time monitoring, alerting, and automated mitigation.
• Investigate live cases by querying transaction data, identifying root causes, and proposing preventative rules or controls.
• Build internal tools, dashboards, and scripts for risk and CX teams.
• Collaborate with Product, CX, Compliance, the card program, and fraud vendors.

Skills

Software Engineering

Data Analysis

Fraud Investigation

Querying Transaction Data

Fraud Rules Management

Automated Mitigation

Root Cause Analysis

Card Testing

Cashback Farming

Product Development

Tools

Sardine

Fraud Decisioning Platform

Transaction Monitoring Platform

Dashboards

Internal Tools

Job description

Improve the card transaction experience by eliminating causes of declines, failed authorizations, stuck holds, and user friction
Improve the card program as a product by identifying breakpoints, proposing fixes, and shipping them
Hunt fraud and abuse patterns including card testing, cashback farming, merchant abuse, friendly fraud, trial and force-post abuse, and multi-account rings
Own fraud rules, queues, scoring logic in Sardine, real-time monitoring, alerting, and automated mitigation
Investigate live cases by querying transaction data, identifying root causes, and proposing preventative rules or controls
Build internal tools, dashboards, and scripts for risk and CX teams
Collaborate with Product, CX, Compliance, the card program, and fraud vendors

Requirements

• Strong fundamentals in software engineering and problem solving
• 4+ years of professional coding experience, shipping products
• Product sense and focus on resolving causes of declined transactions
• Comfortable querying and analyzing data
• Genuine interest in adversarial problems and identifying patterns in transaction data
• Plus if you have worked at a fintech, neobank, card issuer, or issuer processor
• Plus if you have experience on the card issuing side or with a card transaction processor
• Plus if you have knowledge of card and payment fraud mechanics, including card testing, BIN attacks, friendly fraud, merchant collusion, and cashback farming
• Plus if you have built on a fraud decisioning or transaction monitoring platform and operated it
• Plus if you have run fraud investigations or disputes yourself
• Resume required
• Candidates may be located in the Cayman Islands, Denver, or New York, or be open to relocation; work authorization can be provided for Grand Cayman

Core Competencies

Demonstrates strong software engineering fundamentals and problem-solving skills, with a focus on fraud detection and prevention in card transactions. Proficient in querying and analyzing transaction data to identify patterns and propose effective solutions.

Highest-signal resume keywords

• Fraud Detection
• Transaction Data Analysis
• Software Engineering
• Card Payment Fraud Mechanics
• Product Development

Hard Skills

• Software Engineering
• Data Analysis
• Fraud Investigation
• Product Development
• Querying Transaction Data
• Fraud Rules Management
• Automated Mitigation
• Root Cause Analysis
• Card Testing
• Cashback Farming

Soft Skills

• Problem Solving
• Collaboration
• Attention to Detail

Industry Keywords

• Fintech
• Neobank
• Card Issuer
• Issuer Processor
• Fraud Patterns
• Merchant Abuse
• Multi-Account Rings

Tools & Technologies

• Sardine
• Fraud Decisioning Platform
• Transaction Monitoring Platform
• Dashboards
• Internal Tools