Lead Risk Investigator (Fintech)

TL;DR

Lead Risk Investigator (Fintech): Leading complex fraud investigations and systemic attack patterns with an accent on root-cause analysis and remediation. Focus on turning investigative findings into fraud rules, product fixes, and process improvements to reduce loss rates.

Location: Remote (US)

Salary: $83K – $98K

Company

A mobile-first fintech creating a new credit system using machine learning and real-time financial signals to expand access to fair credit.

What you will do

• Lead end-to-end project-scale investigations into coordinated fraud rings and systemic attack patterns.
• Set the investigative bar for the most ambiguous cases, including identity theft and third-party fraud.
• Direct incident response, scoping impacted populations and owning post-mortem remediation.
• Translate investigative findings into fraud rules, thresholds, and control changes in partnership with Compliance and Product.
• Perform data analysis using SQL and Databricks to quantify hit-rates and loss attribution.
• Represent Risk Operations' findings to leadership, Product, and Engineering teams.

Requirements

• 8+ years in fraud investigations, risk operations, or financial crimes.
• Deep mastery of fraud typologies across card, ACH, and P2P payments.
• Practical knowledge of consumer protection regulations (FCRA, Reg Z, Reg E) and BSA/AML processes.
• Proven track record of implementing rule or process changes based on investigative findings.
• Proficiency in SQL or similar tools for querying and interpreting fraud data.
• Must be based in the United States

Nice to have

• Experience in fintech, banking, or consumer lending under regulatory exam.
• Experience as a senior IC or informal technical lead.
• Familiarity with credit bureau dispute processes (ACDV/e-Oscar).
• Certified Fraud Examiner (CFE) designation.

Culture & Benefits

• Virtual-first environment with teamwork across 14 countries and WFH office reimbursement.
• Competitive compensation packages including generous equity.
• Flexible health plans with substantial subsidies.
• Direct exposure to leadership and a culture where good ideas travel quickly.
• Paid global onsites twice yearly for team connection.

Hiring process

• Initial recruiter call.
• Hiring manager interview with the Head of Risk Operations.
• Skills panel involving a case-based discussion of a past investigation.
• Final conversation with Risk Ops and cross-functional leadership.