Cardless · 3 months ago
Fraud Strategy and Operations
San Francisco
Full-time
Onsite
Senior Level
$130K/yr - $190K/yr
5+ years expCardless is building a credit card and loyalty platform that consumer businesses use to engage their customers. They are seeking a Fraud Strategy and Operations Lead to manage day-to-day fraud operations and shape strategic initiatives, leveraging data-driven insights to optimize workflows and improve operational efficiency.
Credit CardsFinanceFinTech
Responsibilities
Own day-to-day fraud operations: Manage application reviews, transaction monitoring, and fraud investigations. You'll own the processes that keep fraud losses below target thresholds while maintaining a seamless customer experience, including monitoring real-time transactions, managing case queues, and ensuring timely resolution of flagged applications
Build the fraud team: Help build and lead a team of fraud analysts. You'll be responsible for training and performance management while creating the SOPs and playbooks that enable the team to operate independently
Strategy Execution & Optimization: Implement fraud detection strategies across customer onboarding and transaction monitoring. Work with identity verification vendors, and risk engines to deploy and optimize fraud rules and models. Utilize SQL and data analytics to identify emerging fraud patterns, automate workflows, and continually enhance operational efficiency as we scale
Partner cross-functionally: Partner with Product, Engineering, Compliance, and Customer Service to embed fraud prevention into the customer experience. You'll translate high-level strategy into actionable processes, ensuring fraud controls scale with the business while maintaining high approval rates for legitimate customers
Portfolio Monitoring: Conduct regular portfolio reviews to track fraud trends, loss rates, and detection performance. Adjust policies and controls based on data-driven insights to strike a balance between fraud prevention and customer trust
Qualification
Required
5+ years of experience leading fraud operations
1+ years of managing teams of 3–10, with proven experience in training, scheduling, and performance management
Strong ability to create clear processes that enable teams to operate efficiently
Strong project management skills and a track record of driving results
Proficiency in SQL and experience using data to optimize operations, track performance, and identify bottlenecks
Excellent execution skills and experience turning high-level strategy into detailed operational workflows
Proactive, bias-to-action mindset: ability to ask clarifying questions and ensure alignment across teams
Technical aptitude: you don't need to code, but you should be comfortable working with engineers and bridging technical and non-technical teams
Excellent communication skills: you can explain complex concepts to diverse audiences
Preferred
Experience in fintech, payments, or financial services is a plus but not required
Benefits
Meaningful Start-up equity
100% health, vision & dental primary coverage
75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
Company
Cardless
Cardless operates the leading platform for consumer brands to launch credit card products.
11-50 employees
Funding
Current Stage
Growth StageTotal Funding
$225MKey Investors
Spark CapitalActivant Capitali80 Group
2025-09-22Series C· $60M
2024-11-26Series C· $30M
2023-05-16Debt Financing· $75M
Leadership Team
Scott Kazmierowicz
Co-Founder & CEO
Michael Spelfogel
Co-Founder & President
Recent News
CB Insights
2026-01-23
Crowdfund Insider
2026-01-19
2026-01-18
Company data provided by crunchbase