Analytics Lead, Deposit Fraud Risk

Overview

This role sits within the fraud and credit risk organization and partners closely with teams across Machine Learning, Product, Engineering, Data Engineering, Operations, and Risk. You will serve as a representative for the Credit Risk organization, leading improvements to Identity Verification and Fraud processes as well as the application flow, while collaborating with Product and Engineering to enhance the fraud solution.

Responsibilities

• Own fraud performance for depository products, monitoring key risk metrics including fraud losses, approval rates, false positives, customer friction, and other operational and risk measures.

Data Pipeline, Analytics & Monitoring

• Build and maintain scalable data models and transformation pipelines, using tools such as DBT to standardize depository product, transaction, customer, fraud, and operational data.
• Define trusted fraud performance metrics and analytical datasets, including:
  • Fraud loss rates
  • Approval and decline rates
  • False-positive rates
  • Customer friction
  • Operational efficiency
• Develop recurring dashboards, scorecards, and monitoring frameworks to provide visibility into fraud performance, portfolio health, and emerging risks.
• Conduct deep-dive analyses to diagnose fraud losses, control gaps, false positives, portfolio shifts, and unexpected performance changes, translating findings into actionable recommendations.

Fraud Strategy Building & Optimization

• Develop and optimize fraud rules, policies, thresholds, models, and decision strategies that balance loss prevention, customer experience, operational capacity, and product growth.
• Evaluate new data sources and signals to improve detection across identity risk, account takeover, device risk, transaction risk, and other relevant fraud typologies for depository products.
• Lead testing and performance measurement of fraud strategy changes, including rule launches, model updates, policy changes, and new product controls, with clear pre- and post-implementation evaluation.
• Partner cross-functionally to improve fraud strategies, strengthen operational feedback loops, and support new product launches.

Requirements

• 7+ years of Analytics experience
• Strong product knowledge and curiosity about how the product works
• Fluent in SQL and Python
• Ability to collaborate and influence across many different teams
• Ability to communicate findings and recommendations clearly to technical and non-technical audiences
• Ability to thrive in a fast-paced environment and be responsive during peak fraud activity
• Strong time management and multi-tasking skills
• Working knowledge of the fundamentals of payment processing and familiarity with industry risk trends, including fraud strategy development

Preferred Qualifications

• Familiarity with fraud strategy development and industry risk trends (as part of risk knowledge)

Compensation & Benefits

• Base pay grade: M
• Equity grade: USA 8
• Employees new to the organization typically come in at the start of the pay range.

USA base pay range

• CA, WA, NY, NJ, CT: $185,000 - $245,000
• All other U.S. states: $164,000 - $224,000

Base pay is part of a total compensation package that may include equity rewards, monthly stipends for health, wellness and tech spending, and benefits including 100% subsidized medical coverage, dental and vision for employees and dependents.

Additional benefits include:

• Health coverage at no cost (100% of premiums for employees and dependents)
• Monthly spending stipends for tech setup
• Flexible time off and generous holiday calendars
• Employee stock purchase plan (ESPP) to buy company stock at a discount

Location

Remote-first with flexibility built in. Most roles can be done from almost anywhere within the country of employment. Some positions may occasionally require in-person work at an office, and a few are office-based due to the nature of the work. All new hires will be invited to attend an in-person onboarding experience.

Please note that visa sponsorship is not available for this position.

For positions based in San Francisco or Los Angeles: qualified applicants with arrest and conviction records are considered, as required by law.

Equal Opportunity

The organization is committed to an inclusive interview process, including accommodations for candidates with disabilities.