Senior Fraud Strategy Analyst

This is a fully remote position, open to applicants in California, +1 more state.

📋 Description

• Take ownership and enhance fraud strategies for Mudflap's payment products, including fleet cards and traditional payment solutions.

• Detect emerging fraud trends and convert insights into scalable rules, controls, and policies.

• Collaborate with the Data Science team to develop, assess, and refine fraud detection models.

• Utilize SQL, Python, and advanced analytics to identify fraud trends, vulnerabilities, and potential opportunities.

• Establish fraud KPIs, loss thresholds, and monitoring frameworks aligned with risk tolerance and unit economics.

• Create dashboards and reports that highlight emerging risks and evaluate the effectiveness of strategies.

• Work alongside Product and Engineering teams to integrate fraud controls into new products and customer experiences.

• Assess and implement third-party fraud tools, data sources, and detection capabilities.

• Formulate fraud strategies that facilitate secure expansion into new payment channels, including ACH.

• Weigh fraud prevention against customer friction, growth, and profitability as Mudflap continues to scale.

⛳️ Requirements

• Over 5 years of experience in fraud strategy, risk management, or payments, preferably in fintech or a high-volume payments environment.

• Practical experience in developing and optimizing fraud strategies, including rules, controls, monitoring, and loss mitigation.

• Strong analytical capabilities with advanced SQL; proficiency in Python and spreadsheets is preferred.

• Experience in analyzing transaction data to uncover fraud patterns, vulnerabilities, and root causes.

• Strong judgment in balancing fraud loss, customer friction, growth, and profitability.

• Experience collaborating with Data Science, Product, Engineering, and Operations teams to implement fraud solutions.

• Familiarity with card payments, ACH, digital payments, or other intricate payment ecosystems.

• Ability to transform ambiguous data into clear recommendations and actionable insights.

• High sense of ownership, curiosity, and adaptability in a rapidly changing environment.

• Candidates must currently reside in the U.S.

• Legally authorized to work in the United States for any employer.

• No current or future employment visa sponsorship requirement.

🏝️ Benefits

• Commuter benefits.

• Lunches and snacks provided.

• Competitive salary and equity in a rapidly growing startup.

• Several health benefit options available.

• Responsible Time Off policy.

• 401(k) matching contributions.

• Opportunities and support for significant career growth.

• Annual company offsite event (Mudfest!).