Senior Fraud Analyst

About Us

About the Role

Responsibilities

• Fraud Definition & Mitigation: Define first-party fraud typologies specific to our conversational lending product and execute data-driven strategies to minimize exposure over time.
• Payment & Chargeback Analytics: Own repayment fraud and chargeback analytics for SNPL payments, identifying trends, exploit loops, and implementing preemptive transaction blocks.
• KPI Ownership: Drive and manage key fraud metrics (e.g., fraud rate, false positive ratios, chargeback-to-sales ratios) across the entire lending vertical.
• Operational Policy Design: Partner closely with the Operations team to build, optimize, and scale automated block and manual investigation policies.
• Advanced Risk Tooling: Liaison with the central Fraud and Data teams to build/refine Machine Learning models and orchestrate dynamic rules within our Taktile decisioning workflows.
• Regulatory & Compliance Liaison: Coordinate with the Legal & Compliance team to monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse patterns, and system exploitation.

Requirements

• Fintech & Lending Core: 4+ years of hands-on experience in Fraud Risk Management, explicitly within consumer lending, digital wallets, or buy-now-pay-later (BNPL) ecosystems.
• Data Analytics Mastery: Highly autonomous and advanced skills in SQL and data manipulation (Python/R or BI visualization tools) to extract and analyze transactional logs without needing hand-holding.
• Rule Engine Architecture: Prior exposure or experience working with modern decision engines (such as Taktile, Provenir, or similar) and deploying machine learning risk models.
• Exceptional Communication: Strong cross-functional communication skills; ability to translate complex fraud patterns into clear business risks for operations, compliance, and engineering.
• Extreme Ownership: A true builder mentality with an experimental spirit, capable of moving from data insights to policy execution with speed and absolute autonomy.
• These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

What We Offer

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans 
• Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.
• Continuous learning opportunities 
• Unlimited PTO
• Paid parental leave
• Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer