Senior Fraud Analyst - Team Lead

About the Role

As we scale, we're making our first dedicated chargeback & fraud hire, a hands-on practitioner who will build our fraud function from the ground up: fraud tooling, investigations workflow, alert triage, and bank-partner reporting.

This role reports to our Risk Manager within the broader Risk & Compliance organization, and requires 5-8 years of relevant experience.

This is a builder role, not a maintainer role. You'll be the fraud subject-matter expert inside Coinflow, working alongside our BSA/AML Officer, Underwriters and Data Science, and will be the primary point of contact for fraud-related RFIs from our sponsor bank partners.

What You'll Do

Build the fraud function

• Further develop and mature our existing transaction monitoring tool and investigations workflow, including case management, alerting logic, and evidence documentation standards.
• Define SOPs, escalation paths, and decision frameworks for fraud investigations as the team's first dedicated hire.

Work alerts, investigations, and remediation

• Monitor and triage fraud alerts across merchant and user/cardholder populations, investigating transaction patterns, account activity, and behavioral signals.
• Conduct deep-dive investigations into suspected fraudulent merchants, card testing, account takeover, ACH fraud, and related fraud typologies.
• Drive remediation: case disposition, funding actions, merchant/user offboarding recommendations, and root-cause analysis on confirmed fraud losses.

Identify and manage fraud risk vectors

• Continuously assess Coinflow's exposure across merchant fraud (fraudulent merchant onboarding, bust-out schemes, transaction laundering) and user fraud (ATO, card testing, CNP fraud, ACH fraud, scams).
• Track chargeback and fraud trends specific to our high-risk verticals (crypto on/off-ramps, gaming, remittance, digital goods) and recommend controls.
• Monitor card network programs (VAMP, ECM/HECM, EFM, VIRP, BRAM, and new programs as they launch), in addition to NACHA program requirements, manage merchant remediation to stay below thresholds, and build workflows to meet new program requirements.
• Track industry developments, network rule changes, and regulatory updates, and translate them into product and control recommendations.

Bank partner & stakeholder engagement

• Serve as the primary owner of fraud-related RFIs from sponsor bank partners, preparing data, narratives, and supporting documentation.
• Partner with the BSA/AML Officer and Data Science to align fraud and AML signal-sharing and investigations.
• Present fraud metrics, trends, and program updates to Risk & Compliance leadership.

Operational Leadership (as the team grows)

• Hire, train, and mentor fraud analysts.
• Build out queue SLAs, escalation paths, and QA/calibration of analyst decisions.
• Own the fraud playbooks and procedures.

Requirements

• 5-8 years of experience in chargeback & fraud prevention, detection, investigations, or remediation within a payment service provider, Acquirer, or fintech platform.
• Strong, hands-on understanding of fraud in the card acquiring space, covering both:
• Merchant fraud: Fraudulent merchant onboarding/boarding fraud, transaction laundering, bust-out schemes, collusive merchant activity.
• User/cardholder fraud: Account takeover (ATO), card testing, card-not-present (CNP) fraud, scams and social engineering.
• Working knowledge of card brand fraud and chargeback monitoring programs such as VAMP, ECM, SMMP, VIRP, BRAM, etc., and experience remediating merchants against these thresholds.
• Experience building or significantly improving fraud tooling, case management workflows, or investigations processes. This is a builder, not just an operator.
• Comfortable responding directly to bank partner and sponsor bank RFIs, including preparing data and written narratives.
• Highly analytical; comfortable using data to identify emerging fraud trends and to justify policy or tooling changes.
• Excellent written and verbal communication skills. Able to explain complex fraud findings clearly to non-fraud stakeholders and external partners.
• Sound judgment and ability to make and stand behind difficult, sometimes ambiguous, fraud decisions.

Preferred Qualifications

• Experience with high-risk or emerging verticals such as crypto on/off-ramps, gaming, sweepstakes, digital goods.
• SQL proficiency or comparable data skills to build dashboards, track fraud metrics, and drive investigations independently.
• Familiarity with AML/KYC/underwriting processes and how fraud and onboarding signals intersect in a payments risk organization.
• People leadership experience or a demonstrated path toward building and leading a fraud team over time.
• Comfortable discussing complex merchant processing situations with Acquirers, Sponsor Banks, and the Card Networks.

Pay and benefits

The base salary range for this role is $130,000 - $170,000 USD + equity. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications, and business needs.

Join the team rewriting how money moves worldwide-and become a driving force in the $194 trillion cross-border payments market.