Payments Fraud Investigator

Stripe

WHO WE ARE 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 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. WHAT YOU'LL DO 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. RESPONSIBILITIES * 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 WHO YOU ARE 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. MINIMUM REQUIREMENTS * 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 PREFERRED QUALIFICATIONS * 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

Stripe

WHO WE ARE 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 Fraud Operations team works to identify, investigate, and resolve fraudulent activity before it impacts Stripe’s business or users.  From merchant fraud to card testing and account takeover, our goal is to build a scalable, highly accurate organization of investigators to mitigate risk to Stripe and our users. The team is globally distributed and regularly coordinates with stakeholders across all regions. WHAT YOU’LL DO As the Manager of Fraud Operations, you will lead a team of high-performing fraud analysts and set an inspirational vision for the broader Fraud Operations organization. You will be responsible for driving the execution of short and long-term initiatives to futureproof the organization, ensuring it is well-equipped to scale and adapt to Stripe's highly complex and evolving fraud landscape. RESPONSIBILITIES * Inspire, motivate, and develop a high performing fraud investigations team, fostering a collaborative and results-oriented environment. * Establish clear goals, provide coaching and feedback, and support the professional growth of team members. * Set a strategic vision for the team and build the path to execute it in both the short and long-term. * Proactively evolve the organization’s strategy to scale operations and address day-to-day challenges. * Collaborate with and influence risk leadership and cross-functional stakeholders to identify the highest ROI investments for user experience, process improvement, and risk mitigation. * Maintain oversight of operational vendor performance related to risk. * Lead root cause analysis to identify opportunities to predict, prevent, and mitigate risk within processes and performance. * Define and manage core metrics, SLAs, and performance of the organization. * Identify gaps in current systems, processes, and strategies, and deliver enhancements and process improvements to mitigate existing and emerging risks. * Ensure risk management efforts do not compromise the user experience.  WHO YOU ARE 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. MINIMUM REQUIREMENTS * Business-level proficiency in Mandarin (written and spoken) is required, as this role involves communications with our users in the Greater China region. * 10+ years of experience in fraud/risk or management roles, including at least 2+ years of directly leading and developing high-performing teams. * Strong strategic thinking and problem-solving skills, with the ability to translate complex challenges into actionable solutions. * Excellent communication and stakeholder management skills, with the ability to influence and collaborate across functions. * Passion for delivering a user-centric experience while effectively managing risk. PREFERRED QUALIFICATIONS * Expertise in fraud and risk management including data analysis, root cause analysis, and process improvement. Experience analyzing data and creating dashboards and visualizations. * Strong proficiency sourcing and analyzing data using SQL. * Experience working closely with engineering teams to develop and enhance investigative tools and treatments. * Bachelor’s degree or higher in a relevant field; advanced degree or certification is a plus.

Stripe

WHO WE ARE 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 Ecosystem Risk Product Management team sits at the intersection of growth and protection. Our focus is twofold. We enable online businesses—including those in emerging and regulated industries—to start and grow on Stripe, while protecting consumers, merchants, and partners from financial crimes. We build financial infrastructure at scale that powers every transaction on Stripe, deliver merchant-facing UI and API experiences, and develop AI-driven solutions to some of the hardest and most exciting challenges in the digital economy. WHAT YOU'LL DO RESPONSIBILITIES * Own the vision and multi-year roadmap for AI-powered financial crimes controls—spanning detection, investigation, information collection, and the UI and API surfaces that tie them together. * Build core infrastructure that underpins Stripe's growing suite of products and services. • Develop investigator tools that power accurate case reviews using the best of AI and human expertise. * Drive cross-functional execution by partnering closely with engineering, operations, design, data science, go-to-market, legal, and product teams across Stripe. * Define and own success metrics, navigate complex trade-offs, drive prioritization, and measure outcomes with rigor to demonstrate impact. * Align leadership and stakeholders by synthesizing input from across the organization and external sources, and communicating a clear point of view to peers and executives. * Monitor the external landscape—regulatory trends, emerging technologies, and competitive offerings—to inform strategy and identify opportunities. WHO YOU ARE MINIMUM REQUIREMENTS * 7+ years in Product Management * Proven experience building infrastructure and user experiences at scale * Track record of operating effectively in highly cross-functional environments * Excellent analytical, problem-solving, and decision-making skills PREFERRED QUALIFICATIONS * Experience in financial crimes or fraud prevention within financial services