Fraud Risk Management Lead in United States at Jobgether

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Fraud Risk Management Lead in the United States.

This is a high-impact leadership role at the core of a rapidly scaling financial technology organization, responsible for defining and executing the end-to-end fraud risk strategy across credit card and deposit account products. You will oversee fraud detection, monitoring, and mitigation across the full customer lifecycle, from onboarding through transaction behavior and dispute resolution. The role requires deep analytical expertise to identify emerging fraud patterns, connect signals across complex data sources, and anticipate evolving attack vectors. You will operate in a fast-paced, product-driven environment where fraud risk management is embedded directly into innovation and system design. Working closely with credit, product, compliance, and engineering teams, you will shape how fraud defenses are built from the ground up. This is a senior leadership opportunity to build scalable fraud intelligence capabilities in a highly ambitious and rapidly growing financial ecosystem.

• Own end-to-end fraud risk management strategy across credit card and deposit account products, covering the full lifecycle from onboarding to post-transaction monitoring.
• Analyze acquisition fraud patterns, including identity validation, synthetic identity detection, and channel-based risk anomalies.
• Monitor first-party, third-party, and synthetic fraud behaviors across credit and deposit ecosystems, identifying emerging attack patterns and loss trends.
• Develop and enhance fraud detection frameworks using multi-source data including behavioral, transactional, device, and identity signals.
• Oversee real-time and near-real-time transaction monitoring to detect anomalies such as velocity spikes, account takeovers, and payment abuse.
• Lead dispute, chargeback, and recovery analytics to identify fraud leakage, friendly fraud, and recovery optimization opportunities.
• Build segmentation models across fraud types, products, and channels to improve detection precision and policy effectiveness.
• Partner cross-functionally with credit, compliance, legal, product, and operations teams to embed fraud prevention into product design and decisioning.
• Present fraud risk insights, exposure analysis, and strategic recommendations to senior leadership and risk committees.
• Support scenario modeling and stress testing to assess fraud exposure under adverse or high-attack conditions.

• 7–15 years of experience in fraud risk management, with ownership of detection, monitoring, and loss prevention in consumer or small business financial products.
• Experience across both regulated financial institutions and fintech environments is strongly preferred.
• Deep expertise in first-party, third-party, and synthetic identity fraud, with strong analytical differentiation across fraud types.
• Strong understanding of fraud detection technologies including device fingerprinting, behavioral analytics, identity graphing, and anomaly detection systems.
• Experience with deposit account (DDA) fraud vectors such as ACH abuse, check fraud, Reg E disputes, and account takeover patterns.
• Advanced analytical skills with proficiency in SQL and either Python or R for data exploration, modeling, and detection logic development.
• Strong understanding of regulatory frameworks including BSA/AML, FCRA, and Reg E as they relate to fraud and disputes.
• Ability to translate complex fraud patterns into actionable insights and executive-level narratives.
• High ownership mindset with the ability to operate independently in a fast-evolving, high-growth environment.
• Strong communication skills with experience presenting to senior leadership and cross-functional stakeholders.

• Competitive base salary range of $150,000 to $250,000 per year, depending on experience.
• Equity participation in a high-growth financial technology company.
• Opportunity to shape and lead fraud risk strategy at an early, foundational stage.
• Fast-paced, high-ownership environment with significant autonomy and impact.
• Collaborative, cross-functional culture working closely with product, engineering, and compliance teams.
• Exposure to cutting-edge financial systems and large-scale fraud detection challenges.
• Strong growth potential in a rapidly scaling organization.