Senior Fraud Investigations Analyst

Senior Fraud Investigations Analyst ID.me is seeking a Senior Fraud Investigations Analyst to join our team as a focused, execution‑oriented individual contributor. The role leads investigations into account takeover (ATO) activity, identifies fraud patterns at scale, and strengthens detection strategies. This position is located in our McLean, VA office and requires full‑time, in‑office attendance. Role Overview The analyst will manage a range of complex ATO investigations, analyze large datasets to surface trends and anomalies, and collaborate with engineering, data science, and product teams to refine fraud detection capabilities. The work goes beyond individual case analysis to include trend analysis, signal development, and data‑driven decision making. Responsibilities Lead complex account takeover (ATO) investigations, including multi‑account and organized fraud activity. Analyze large datasets using SQL, Python, or similar tools to identify trends, anomalies, and attack patterns. Use fraud detection tools, machine learning outputs, and risk‑scoring systems to drive high‑quality investigations. Own investigations from detection through resolution, documenting findings and recommendations. Identify gaps in detection logic and contribute to improvements in rules, models, and workflows. Partner with engineering, data, and product teams to enhance fraud detection capabilities and signal quality. Act as an escalation point for high‑severity or ambiguous fraud cases. Develop and refine investigation playbooks and analytical approaches for ATO detection. Support reporting and analysis of fraud trends, detection performance, and operational metrics. Leverage AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data. Basic Qualifications Bachelor’s degree from an accredited institution; strong preference for quantitative fields such as Economics, Computer Science, Statistics, Mathematics, or similar. 4+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks. 2+ years of experience using SQL, Python, or similar tools to analyze data and drive investigations. 2+ years of hands‑on experience using fraud detection tools, machine learning models, or risk‑scoring methodologies. 2+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data. Demonstrated experience analyzing fraud trends beyond individual case investigations (e.g., pattern detection, ring analysis). Experience using AI/LLM tools to enhance data analysis and investigations, with demonstrated ability to validate and apply outputs effectively. Preferred Qualifications Experience at a fintech company, technology company, or reputable financial institution. Strong experience analyzing organized fraud rings or large‑scale ATO campaigns. Experience influencing fraud detection logic, models, or rule systems. Familiarity with AI/ML techniques applied to fraud detection and risk analysis. Ability to translate analytical findings into actionable improvements for product, engineering, or risk systems. Benefits Medical, dental, and vision coverage. Health Savings Account (HSA) and Flexible Spending Accounts (medical, dependent care, commuter). Basic and voluntary life and accident & critical illness insurance. 401(k) plan with company match. Generous PTO, including unlimited paid time off, 8 company holidays, and parental leave. Disability and short‑term/long‑term disability insurance. Employee assistance program, pet insurance, travel assistance, and wellbeing and childcare discounts. Compensation Pay Range: $90,000 – $120,000 USD annually. Location The role is based in McLean, VA; in‑office full time five days per week. Other office locations may be considered on a case‑by‑case basis. Equal Employment Opportunity ID.me maintains a work environment free from discrimination. Employees are treated with dignity and respect and are evaluated on merit. ID.me does not discriminate on the basis of age, ancestry, color, family or medical 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. #J-18808-Ljbffr ID.me