Senior Fraud Risk Analyst (SQL, Python)

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Requirements:

• 3-5+ years of experience in Fraud Strategy and/or Fraud Operational Analytics, this is a must-have.
• Deep familiarity with fraud domains: identity risk, device risk, transaction risk, and the ability to keep pace with emerging trends.
• Proven experience as a fraud analyst with ownership of strategy development, implementation, and performance monitoring.
• Highly self-driven and proactive. You take initiative, own your work from end to end, and thrive in collaborative, high-growth environments.
• Advanced SQL skills are required; Python or PySpark experience preferred.
• Experience with A/B testing and performance analytics in a risk or fraud context.
• Familiarity with data visualization tools (e.g., Tableau, Power BI) is a plus.
• Strong written and verbal communication skills with the ability to influence both technical and non-technical stakeholders.
• A data-driven mindset, eager to uncover patterns, derive insights, and drive improvements.

Responsibilities:

• Own and optimize the portfolio-level Identity and Fraud Risk strategy during underwriting.
• End-to-end ownership of analytics: identify risk exposure or opportunity areas, define and design mitigation strategies (e.g. cutoffs, rules), execute tests (e.g. A/B testing), and monitor effectiveness post-implementation.
• Lead the development and implementation of go-to-market fraud strategies and proactively incorporate new data sources and signals into decisioning frameworks.
• Monitor and optimize fraud decisioning performance - approvals, declines, false positives, and chargebacks, across key fraud vectors (identity risk, device risk, transaction risk).
• Develop risk rules and cutoffs that balance fraud mitigation and customer experience.
• Identify and source innovative fraud detection signals and tools (device fingerprinting, behavioral data, etc.).
• Collaborate with our Machine Learning and Fraud Review teams to iterate on strategy, detect trends, and respond rapidly to emerging fraud threats.
• Maintain and evolve risk governance documentation, including fraud policies and operational procedures.
• Stay up-to-date on industry trends, fraud tactics, and mitigation techniques