Fraud Patterns Analysts

About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the Team The Risk Operations team is looking for an experienced fraud analyst to join an industry‑leading global fraud operations team. This position is responsible for writing and maintaining fraud rulesets to prevent transaction fraud, conducting data analysis to identify and mitigate fraud attacks while minimizing impact to users, and working collaboratively with fraud, operations, and product stakeholders to proactively implement fraud strategies and controls. Candidates should have a deep understanding of fraud patterns/typologies, advanced SQL proficiency, strong analytical abilities, and experience writing and managing fraud rulesets. What You’ll Do You’ll work closely with cross‑functional stakeholders across product, engineering, data science, and operations to identify and mitigate risk from complex, distributed transaction fraud attacks. The right candidate will have at least five years of experience conducting advanced data analysis using SQL, preferably within the fraud space across e‑commerce, payments, or cryptocurrency. You should have experience writing, maintaining, and analyzing complex fraud rulesets and demonstrated success minimizing fraud losses while protecting user experience. Responsibilities Build and maintain fraud rulesets to prevent transaction‑level fraud losses, including ongoing monitoring and measurements of precision and recall. Conduct advanced data analysis of structured and unstructured data sets to proactively identify emerging fraud attacks impacting Stripe and its users. Collaborate closely with product, risk, and operations teams to proactively identify and mitigate fraud exposure. Investigate, conduct root‑cause analysis, and deploy remediations to prevent future complex and distributed fraud attacks. Investigate and take action against anomalous clusters of transactions based on account activity, processing volume, or other risk indicators while minimizing negative impacts to Stripe users. Respond to incidents involving complex fraud schemes to quickly mitigate exposure to Stripe, its users, and financial partners. Utilize analytics to identify and implement initiatives to automate manual processes and workload across the organization. Create visualizations, dashboards, and queries to drive visibility and oversight into impact, performance, loss risks, and user experience. Utilize Stripe tools and systems to enable systematic actioning of fraudulent merchants, maintaining an extremely high level of accuracy to prevent negative user experience. Minimum Requirements A minimum of five years of experience conducting advanced data analysis and managing transaction fraud rulesets. Advanced level proficiency in SQL. Experience working closely with modeling, data science, and intelligence stakeholders to implement automatic and scaled controls and processes. Experience creating data visualizations and dashboards and presenting findings to technical and non-technical audiences, including senior leadership. The ability to drive execution on projects working in a heavily cross‑functional environment. Creativity, a team‑focused mentality, and effective problem‑solving skills. The ability and desire to question the status quo. The ability to approach challenges from a user perspective while being pragmatic and solutions oriented. Preferred Qualifications Fraud experience in payments, e‑commerce, fintechs, or cryptocurrency mitigating digital/card‑not‑present fraud. Experience investigating and mitigating card testing and account takeover attacks. Proficiency in Splunk, Python, Tableau, or other data visualization tools. Undergraduate or advanced degree in analytics, data science, or statistics. Experience with clustering, classification, and link analysis. Experience working in fast‑paced and rapidly changing environments. Experience designing and implementing product‑level fraud and risk controls. Hybrid Work at Stripe This role is available either in an office or in a remote location (35+ miles or 56+ km from a Stripe office). Employees assigned to an office are expected to spend at least 50% of their time in the local office or with users. Remote workers may work from home regularly; no relocation cost is covered. We encourage applicants to apply for roles that match the location where they currently live or plan to live. Pay and Benefits The annual US base salary range for this role is $114,600 – $171,800. In addition to base salary, this role may include equity, company bonus or sales commissions/bonuses, a 401(k) plan, medical, dental, and vision benefits, and wellness stipends. #J-18808-Ljbffr