Fraud Operations Manager (Mandarin-speaking)

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 Risk Operations team is looking for an experienced analyst to join an industry leading global fraud operations team. This role is responsible for conducting onboarding, as well as periodic risk reviews and investigations related to fraud, supportability, and compliance requirements for Stripe’s Greater China (GCN) users. In addition to executing complex, unified user risk assessments these analysts will work collaboratively with cross-functional teams and stakeholders to expand the impact of the team to scale Greater China (GCN) user risk assessment and support processes.  They should have a deep understanding of risk analysis in either fraud, compliance or user policy/TOS, demonstrate excellence conducting complex reviews of high volume/new users, strong analytical skills, comfort engaging directly with users via email/live calls, and experience leading process improvement initiatives in a highly cross-functional & collaborative environment. WHAT YOU’LL DO Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk. Billions of dollars are processed by Stripe each year and the Fraud Operations team works to ensure that exposure is minimized while facilitating company growth. We are looking for someone passionate about minimizing risk while enabling our Greater China users, conducting in-depth risk investigations across fraud, policy, and compliance, and who has a strong desire to work collaboratively with stakeholders while building and scaling risk investigations and support for Greater China.  This position works closely with cross-functional stakeholders across go to market, operations, risk, and product to mitigate financial and ecosystem risk while enabling our users.  The right candidate for this role will have a minimum of four years experience conducting complex risk investigations and building & scaling risk processes in a highly collaborative and cross-functional environment, preferably within ecommerce or payments. Candidates should also have experience working closely with cross functional stakeholders to drive investigative and operational process improvements, conduct root cause analysis, and be fluent in written and spoken Mandarin. RESPONSIBILITIES * Conduct unified risk reviews for Greater China users at onboarding; investigating and identifying fraud, compliance, and policy risks. * Work directly with users and go to market to build context into business models, validate documentation, and assess supportability. * Conduct periodic investigations on high risk accounts to identify and mitigate fraudulent or other high risk behaviors. * Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging risks and build for scale through a collaborative approach with stakeholders. * Lead cross functional projects to improve operational processes and tools to enhance detection and actioning of high risk users. * Investigate, mitigate, and remediate incidents related to fraud, compliance, or supportability risks. 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 * At least 4 years of experience conducting complex risk investigations. * A minimum of 1 year of experience in leading risk-related projects or initiatives, while effectively collaborating with cross-functional stakeholders. * Experience using data to propose creative solutions to both tactical and strategic problems. * Creative mindset, strong team orientation, and exceptional problem-solving capabilities. * A willingness and ability to challenge the status quo and propose improvements. * An aptitude for approaching challenges from the user’s perspective while maintaining a pragmatic and solutions-oriented approach. * Professional fluency in both written and verbal Mandarin communication, as this role is responsible for conducting onboarding, as well as periodic risk reviews and investigations related to fraud, supportability, and compliance requirements for Stripe’s Greater China users. PREFERRED QUALIFICATIONS * In depth experience conducting risk assessments focused on either fraud, compliance, and supportability. * Risk experience focused on APAC and Greater China, preferably in payments, e-commerce, or fintech. * Experience working directly with users to fulfill document requests, onboarding, and risk requirements. * Experience designing fraud/risk workflows, analyst tooling, and processes/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 As a leading player in the internet economy, Stripe has a responsibility to protect itself, our users, end customers, and the broader financial ecosystem from harm. Fraud Operations proactively reduces fraud, making it difficult and unprofitable for fraudsters to carry out attacks through Stripe. We build scalable, high-judgement investigation and review operations while minimizing user friction. We work across products, customer segments, and markets and serve as a core pillar of the Stripe risk strategy. WHAT YOU'LL DO Stripe is hiring a people leader to run our Fraud Operations Center in Bangalore. You'll lead leaders and senior operators responsible for core fraud investigations and complex, high-impact investigations. You'll be accountable for operational excellence across fraud review workflows—setting the operating cadence, defining and evolving team metrics, strengthening quality and consistency of decision-making, and scaling processes through tooling and vendor partnerships. This role is both strategic and hands-on: you'll stay close to day-to-day fraud workflows, regularly reviewing cases and serving as an escalation point and decision-making resource for the team. RESPONSIBILITIES * Lead the Bangalore Fraud Operations Center by managing team leads and senior associates, setting clear expectations, coaching performance, and building a high-judgement culture rooted in strong decisioning and customer empathy * Own core fraud investigations and complex investigations, including escalations and time-sensitive incident response in partnership with global Fraud and Risk stakeholders * Establish and run the operating system for the org, including goal setting, team cadences, SOPs, change management, queue health, SLAs, QA programs, calibration, and readiness for new products and markets * Define, develop, and represent key operational and risk metrics for the Bangalore center (through dashboards and recurring readouts), translating data into actions and priorities * Drive process development and continuous improvement through root cause analysis, defect reduction, policy adherence, and consistency across reviewers and teams * Partner with other Risk teams to evolve fraud tooling and workflows (manual and automated actioning), including safe rollout and measurement of changes * Support outsourcing relevant workflows by identifying transition candidates, designing and standardizing processes for handoff, and supporting training as needed * Own staffing models, capacity planning, scheduling, hiring plans, onboarding, and training strategy to meet business needs while maintaining a high bar for quality and user experience * Maintain close 'floor' engagement by regularly diving into cases, reviewing decisions, supporting frontline judgment, and ensuring feedback loops translate into measurable improvements * Partner with recruiting to define role profiles and interview loops, drive bar-raising hiring decisions, and build a diverse team * Own career development and succession planning, team health and engagement * Build a great culture, a destination workplace, fostering our values, serving as a beacon of the Stripe user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment 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 * Experience leading cross-functional initiatives and driving change through ambiguity, including new workflows for new products, markets, or emerging fraud patterns * Experience leading fraud, risk, trust and safety, or investigations operations in a high-scale environment, including managing managers and team leads * An ability to partner effectively with internal globally distributed stakeholders and lead internal teams and vendors * Proven ability to define and operationalize metrics (e.g., accuracy and quality, SLAs, throughput, loss outcomes, appeals and rework, user friction) and use data to drive priorities * Comfort working across detection systems and manual and automated actioning systems, with the ability to translate operational needs into product and engineering requirements * Strong operational background, including new process launches, service delivery, and building operating models * Excellent written and verbal communication skills, including presenting in operational reviews and representing the team in high-pressure escalations in English * Skill and credibility doing the core work of a user-facing team with a high bar for quality, and a willingness to lead by example * 7+ years of direct people management experience, including performance management, coaching, and mentoring * Experience with payments, risk, compliance, or financial industry operations PREFERRED QUALIFICATIONS * Demonstrated ability to run an operations center, including capacity planning, scheduling, queue management, performance management, and quality programs * Strong fraud domain depth across investigation workflows, risk vectors, and decision frameworks, with the ability to independently review cases and guide frontline judgment * Experience scaling or transforming fraud review operations through process redesign, tooling improvements, and vendor partnerships * Experience with payments risk (CNP and card testing, ATO, merchant fraud, transaction fraud) and familiarity with how upstream detection and downstream enforcement interact * Strong analytics proficiency (building and owning dashboards, querying data directly) and comfort partnering deeply with data science and engineering * Experience operating in a global, follow-the-sun model and partnering across time zones

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 Fraud Strategy is responsible for building scaled fraud mitigation systems that prevent fraud and protect the financial ecosystem, while minimizing disruption to good users. The fraud team’s mission is to protect Stripe, our users, and the broader financial ecosystem from actors who abuse Stripe accounts for financial gain. What you’ll do As a Manager on the Fraud Strategy team, you will lead a team of high performing and tenured fraud strategists responsible for safeguarding Stripe’s rapidly expanding portfolio of money movement and money management capabilities from fraud. You will lead the team to create short, medium and long term strategies that prevent fraud while enabling growth on rapidly expanding Stripe products like Treasury, Issuing, Capital, Crypto and Stablecoins.   Responsibilities  * Lead a Specialized Team: Coach and mentor a world-class team of fraud strategists. You'll be responsible for their professional growth and for fostering a culture of rigorous, data-driven fraud system development. * Own the E2E Fraud Prevention Lifecycle: Oversee the team's execution across all critical decision points—from new user onboarding, through offboarding and funds recovery * Strategic Stakeholder Partnership: Act as a key partner to Product, Engineering, Data Science, and Operations. You will navigate complex cross functional fraud prevention system development and tuning, ensuring our risk appetite aligns with both internal goals and external partner requirements. * Systems Thinking: Deeply understand our performance metrics including loss trends and leading indicators. Analyze account activity and monitor portfolio trends to identify opportunities for Stripe to reduce potential fraud losses. Understand our fraud controls and strategies to identify opportunities for improvement. Work closely with our core risk team to mitigate potential risks with specific users. * Executive Communication: Effectively and clearly communicate with internal leadership teams across Stripe, and effectively communicate with external leadership teams across Stripe's users, and Stripe's financial and regulatory partners. * Thought Leadership: Drive innovative fraud strategies that scale across Stripe’s wide range of products. Embrace AI technologies to accelerate execution and improve fraud prevention 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 * 10+ years of relevant experience, preferably in Financial Services, Payments or FinTech. * A coach and mentor dedicated to nurturing talent and helping team members perform at their best * Experience recruiting, developing, and managing diverse and high-performing teams. * Strong collaboration, communication, and relationship-building skills, with an ability to influence stakeholders across organizations and functions. * Excellent communicator (verbal and written) who is able to convey complex ideas succinctly in high stakes situations both internally with Stripe leadership teams and externally with users, financial partners and regulators. * Decisive, yet open to learning — you will make many critical decisions every day, even with the knowledge that you will be wrong some of the time. * Proven ability to collaborate and execute scaled and high complexity projects cross-functionally with both technical and non technical teams. * Champion for AI and automation — you actively seek opportunities to apply AI-powered tooling and automation to accelerate risk strategy work, reduce manual toil, and improve the quality and consistency of decisions at scale; you set the example for your team in adopting and driving these capabilities. Preferred qualifications * Strong data visualization skills and a willingness to use data and AI tools to analyze and make decisions.  * Experience in a high-growth technology company managing risk at scale. * Experience working in tech, or in another fast-paced, high-growth environment. * Experience in building scaled systems to prevent bank account fraud, issuing fraud and/or crypto/stablecoin fraud. * Expertise with quantitative tools such as Python, R, etc.