Payments Fraud Investigator

Payments Fraud Investigator

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.

The mission of Fraud Operations is to act as guardians of the global financial ecosystem by proactively reducing fraud, making it difficult and unprofitable for fraudsters to carry out attacks through Stripe. Fraud Ops is responsible for developing and maintaining scalable processes related to fraud analysis, card testing, account takeover, and financial partner investigation requests. We strive to improve manual fraud decisioning and enhance support experiences for users impacted by fraud decisions, all while enabling healthy growth for the business.

As a Payments Fraud Investigator, you'll play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You'll conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies is essential in developing and enhancing investigative processes and programs.

• Analyze high-risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors
• Lead root cause analyses to identify gaps in current systems, policies, and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders
• Drive cross-functional projects aimed at refining operational processes and tools, enhancing the detection and management of fraudulent accounts across our global analyst network
• Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency distributed fraud attacks
• Communicate regular updates during team and organization-wide business reviews, summarize outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions
• Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

• 3+ years of experience conducting complex investigations
• 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders
• Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges
• Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements
• User-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset
• Ability to travel to vendor locations for up to 10% of the year

• Experience in payments, e-commerce, social media, or fintech, mitigating digital or card-not-present fraud
• Experience investigating and mitigating card testing and account takeover attacks
• Experience designing fraud and risk workflows, analyst tooling, and processes and procedural workflows
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

This role is available either in an office or a remote location (35+ miles or 56+ km from a Stripe office).

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

A remote location is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently live or plan to live.

The annual US base salary range for this role is $89,000 - $133,400. For sales roles, the range provided is the role's On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate's experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

Office locations: Chicago, or Atlanta

Remote locations: Remote in United States

Team: Operations

Job type: Full time