Senior Fraud Analyst, Team Lead

What You'll Do

• Build the fraud function - Further develop and mature our existing transaction monitoring tool and investigations workflow, including case management, alerting logic, and evidence documentation standards.
• Define SOPs, escalation paths, and decision frameworks for fraud investigations as the team's first dedicated hire.
• Work alerts, investigations, and remediation - Monitor and triage fraud alerts across merchant and user/cardholder populations, investigating transaction patterns, account activity, and behavioral signals.
• Conduct deep-dive investigations into suspected fraudulent merchants, card testing, account takeover, ACH fraud, and related fraud typologies.
• Drive remediation: case disposition, funding actions, merchant/user offboarding recommendations, and root-cause analysis on confirmed fraud losses.
• Identify and manage fraud risk vectors - Continuously assess Coinflow's exposure across merchant fraud (fraudulent merchant onboarding, bust-out schemes, transaction laundering) and user fraud (ATO, card testing, CNP fraud, ACH fraud, scams).
• Track chargeback and fraud trends specific to our high-risk verticals (crypto on/off-ramps, gaming, remittance, digital goods) and recommend controls.
• Monitor card network programs (VAMP, ECM/HECM, EFM, VIRP, BRAM, and new programs as they launch), in addition to NACHA program requirements, manage merchant remediation to stay below thresholds, and build workflows to meet new program requirements.
• Track industry developments, network rule changes, and regulatory updates, and translate them into product and control recommendations.
• Bank partner & stakeholder engagement - Serve as the primary owner of fraud-related RFIs from sponsor bank partners, preparing data, narratives, and supporting documentation.
• Partner with the BSA/AML Officer and Data Science to align fraud and AML signal-sharing and investigations.
• Present fraud metrics, trends, and program updates to Risk & Compliance leadership.
• Operational Leadership (as the team grows) - Hire, train, and mentor fraud analysts.
• Build out queue SLAs, escalation paths, and QA/calibration of analyst decisions.
• Own the fraud playbooks and procedures.

Requirements

• 5–8 years of experience in chargeback & fraud prevention, detection, investigations, or remediation within a payment service provider, Acquirer, or fintech platform.
• Strong, hands-on understanding of fraud in the card acquiring space, covering both:

• Working knowledge of card brand fraud and chargeback monitoring programs such as VAMP, ECM, SMMP, VIRP, BRAM, etc., and experience remediating merchants against these thresholds.
• Experience building or significantly improving fraud tooling, case management workflows, or investigations processes. This is a builder, not just an operator.
• Comfortable responding directly to bank partner and sponsor bank RFIs, including preparing data and written narratives.
• Highly analytical; comfortable using data to identify emerging fraud trends and to justify policy or tooling changes.
• Excellent written and verbal communication skills. Able to explain complex fraud findings clearly to non-fraud stakeholders and external partners.
• Sound judgment and ability to make and stand behind difficult, sometimes ambiguous, fraud decisions.

Preferred Qualifications

• Experience with high-risk or emerging verticals such as crypto on/off-ramps, gaming, sweepstakes, digital goods.
• SQL proficiency or comparable data skills to build dashboards, track fraud metrics, and drive investigations independently.
• Familiarity with AML/KYC/underwriting processes and how fraud and onboarding signals intersect in a payments risk organization.
• People leadership experience or a demonstrated path toward building and leading a fraud team over time.
• Comfortable discussing complex merchant processing situations with Acquirers, Sponsor Banks, and the Card Networks.