Fraud Strategy Lead (Credit Card & DDA) jobs in United States
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Flex · 1 month ago

Fraud Strategy Lead (Credit Card & DDA)

positionUnited States
timeFull-time
remoteRemote
senioritySenior Level
money$160K/yr - $200K/yr
date7+ years exp

Flex is building the AI-native private bank for business owners, re-architecting the financial system for entrepreneurs. The Fraud Strategy Lead will be responsible for designing and implementing a fraud management function, leveraging analytics and third-party providers to prevent various types of fraud while balancing growth objectives.

BankingCredit CardsFinTechPayments

Responsibilities

Program build: Design and stand up our multi‑layer fraud stack (application, account opening/funding, account takeover, transaction monitoring, disputes/chargebacks)
Vendor strategy: Select, integrate, and tune identity, device, behavioral, and transaction‑risk providers; negotiate and measure ROI
Decisioning & analytics: Develop rules, features, and models; define thresholds to control false positives/negatives; run A/Bs and champion‑challengers
Data & signals: Operationalize bureau, banking, PII, device/IP, email/phone, telco, velocity, and network signals into a single decisioning framework
Program Quality & performance: Monitor precision, capture rate, approval impact, and loss basis points; calibrate and backtest
Cross‑functional execution: Partner with Product, Engineering, Data, Ops, and Compliance (KYC/AML, FCRA/GLBA, Reg E/Reg Z)
Guide dispute strategy to minimize friendly/first‑party abuse

Qualification

Fraud managementSQLPython/RIdentity detectionDocument IDVDevice reputationBanking dataDecisioning toolsVendor evaluationRoadmap ownershipCross-functional collaboration

Required

7+ years in issuer‑side fraud for cards and/or DDA/neobank (experience on the Consumer and Commercial side is a definite plus)
Demonstrated build‑from‑scratch experience: stood up a new fraud stack or materially re‑platformed one
Hands‑on with SQL and practical Python/R for feature/rule prototyping and performance analysis
Depth in 1st‑party vs 3rd‑party vs synthetic patterns (e.g., bust‑out, thin‑file synths, ATO)
Proven track record balancing loss bps versus approval rate and customer friction
Vendor evaluation and commercial ownership (pricing, SLAs, monitoring, deprecation)
Comfort working independently; can own roadmap, write PRDs/specs, and ship with engineers

Benefits

Annual team on-sites.

Company

Flex

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Flex is a financial technology company that offers an end-to-end finance platform that integrates business and personal finance management.
dateFounded in 2022
location
San Francisco, California, USA
people-size51-200 employees
web-link
https://flex.one

Funding

Current Stage
Growth Stage
Total Funding
$408M
Key Investors
Portage VenturesTitanium VenturesVictory Park Capital
2025-12-04Series B· $60M
2025-03-05Series A· $25M
2025-03-05Debt Financing· $200M

Leadership Team

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Zaid Rahman
Founder & CEO
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