Fraud Investigations Analyst

Fraud Investigations Analyst

McLean, Virginia

Company Overview

ID.me is the next-generation digital identity wallet that simplifies how individuals securely prove their identity online. Consumers can verify their identity with ID.me once and seamlessly login across websites without having to create a new login and verify their identity again. Over 152 million users experience streamlined login and identity verification with ID.me at 20 federal agencies, 45 state government agencies, and 70+ healthcare organizations. More than 600+ consumer brands use ID.me to verify communities and user segments to honor service and build more authentic relationships. ID.me's technology meets the federal standards for consumer authentication set by the Commerce Department and is approved as a NIST 800-63-3 IAL2 / AAL2 credential service provider by the Kantara Initiative. ID.me is committed to "No Identity Left Behind" to enable all people to have a secure digital identity.

ID.me is a full-time, in-office culture. Unless a specific job description explicitly states otherwise, all roles are on-site five days per week at one of our offices in McLean, VA; Mountain View, CA; New York City, NY; or Tampa, FL. Certain roles — such as field-based sales or other remote-by-design positions — may have different work arrangements as noted in their individual postings.

At ID.me, we embrace the thoughtful use of AI tools in our daily work and there are even occasions where we leverage AI in our hiring process. However, during the interview process, we want to understand your individual skills and experiences. Therefore, we have guidelines on how AI can be appropriately used during your application and interviews which can be found here.

Role Overview

ID.me is looking for a Fraud Investigations Analyst to join our organization as an execution-focused individual contributor. This role centers on investigating account takeover (ATO) activity, analyzing fraud signals, and supporting detection efforts that protect millions of users.

We are seeking someone who goes beyond basic case handling and can analyze trends, identify patterns across multiple accounts, and leverage data to inform investigations. As an Analyst, you will work across fraud detection tools, datasets, and risk systems to uncover coordinated fraud activity and contribute to improving detection capabilities.

This role is based out of our McLean, VA office and requires full-time in-office attendance.

Responsibilities

• Investigate account takeover (ATO) activity using fraud indicators, behavioral signals, and transaction data
• Analyze patterns across multiple accounts to identify coordinated or emerging fraud trends (not just single-account reviews)
• Use SQL, Python, or similar tools to query datasets and support investigations
• Leverage fraud detection tools and risk-scoring systems to identify suspicious activity
• Execute investigations and document findings, escalating higher-risk or complex cases as needed
• Support tuning and optimization of fraud detection rules, alerts, and signal usage
• Partner with cross-functional teams to improve fraud detection coverage and data quality
• Monitor trends in ATO activity and contribute to ongoing detection strategy improvements
• Leverage AI/LLM tools to accelerate investigations, including querying data, identifying patterns, and summarizing fraud activity across accounts

Basic Qualifications

• Bachelor's degree from an accredited institution; preferred fields include quantitative disciplines such as Economics, Computer Science, Statistics, Mathematics, or similar
• 2+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with exposure to account takeover (ATO)
• 1+ years of experience using SQL, Python, or similar tools to analyze fraud data or investigate trends
• 1+ years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies
• 1+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
• Familiarity with using AI/LLM tools (e.g., ChatGPT, Claude) to support data analysis or investigative workflows

Preferred Qualifications

• Experience working at a fintech company, technology company, or reputable financial institution
• Experience analyzing organized fraud rings or large-scale fraud patterns
• Familiarity with machine learning–driven fraud detection systems or AI-assisted analysis

The annual base salary listed does not include a company bonus, incentive for sales roles, equity and benefits which will be determined based on experience, skills, education, relevant training, geographic location and role. ID.me offers comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts), basic and voluntary life and AD&D insurance, 401(k) with company match, parental leave, ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays, short and long-term disability insurance, accident and critical illness insurance, referral bonus policy, employee assistance program, pet insurance, travel assistant program, wellbeing and childcare discounts, benefit advocates, and a learning and development benefit. Final offers may vary from the amount listed based on qualifications, professional experiences, skills, education, relevant training, geographic location, and other job related factors.

Pay Range

$80,000 - $93,000 USD

ID.me maintains a work environment free from discrimination, where employees are treated with dignity and respect. All ID.me employees share in the responsibility for fulfilling our commitment to equal employment opportunity. ID.me does not discriminate against any employee or applicant on the basis of age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations and ordinances. ID.me adheres to these principles in all aspects of employment, including recruitment, hiring, training, compensation, promotion, benefits, social and recreational programs, and discipline. In addition, ID.me's policy is to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by applicable laws, regulations and ordinances where a particular employee works. Upon request we will provide you with more information about such accommodations.

Please review our Privacy Policy, including our CCPA policy, at id.me/privacy . If you provide ID.me with any personally identifiable information you confirm that you have read and agree to be bound by the terms and conditions set out in our Privacy Policy.

ID.me participates in E-Verify.