Senior Fraud Analyst - Team Lead (Fintech)

Senior Fraud Analyst - Team Lead

Company

Coinflow

Conditions

6 days agoSalary: 130K - 170K

Skills

Candidate Availability

Required and preferred rules are kept separate and reflect the wording in the original posting.

About the Role

You will build and mature fraud tooling, investigations workflows, alerting logic, and documentation standards. You will investigate fraud alerts and emerging risks, manage remediation, support sponsor-bank RFIs, monitor network programs, and develop fraud playbooks. As the function grows, you will hire, train, and mentor fraud analysts.

Requirements

• 5–8 years of experience in chargeback and fraud prevention, detection, investigations, or remediation at a payment service provider, acquirer, or fintech platform
• Hands-on knowledge of card-acquiring fraud, including merchant fraud and cardholder fraud
• Knowledge of card-brand fraud and chargeback monitoring programs, including VAMP, ECM, SMMP, VIRP, and BRAM
• Experience remediating merchants against card-network thresholds
• Experience building or significantly improving fraud tooling, case-management workflows, or investigation processes
• Experience responding to sponsor-bank and bank-partner RFIs
• Analytical ability to identify fraud trends and justify policy or tooling changes
• Written and verbal communication skills
• SQL proficiency or comparable data skills
• Familiarity with AML, KYC, and underwriting processes
• People leadership experience or ability to build and lead a fraud team

Responsibilities

• Develop fraud tooling, case-management workflows, alerting logic, and evidence documentation standards
• Define fraud-investigation SOPs, escalation paths, and decision frameworks
• Monitor and triage fraud alerts across merchant and cardholder populations
• Investigate fraudulent merchants, card testing, account takeover, ACH fraud, and related typologies
• Drive case disposition, funding actions, offboarding recommendations, and root-cause analysis
• Assess merchant and user fraud risk vectors and recommend controls
• Track chargeback trends, card-network programs, NACHA requirements, and regulatory updates
• Manage merchant remediation against network-program thresholds
• Own fraud-related sponsor-bank RFIs and prepare supporting data and narratives
• Present fraud metrics, trends, and program updates to leadership
• Hire, train, and mentor fraud analysts
• Build queue SLAs, escalation paths, quality assurance, and fraud playbooks

Benefits

• Equity

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