Fraud Risk Manager

About Trovy

Trovy is building the financial home base for America’s 86 million homeowners — the go-to platform for managing your home and accessing low-rate credit, because life is expensive and unpredictable. We believe your biggest asset should unlock your best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around your home equity. Backed by top-tier venture capital, Trovy is led by a team of proven fintech innovators on a mission to make homeownership more manageable. Don’t own a home without it.

Role Overview

We’re seeking a Fraud Risk Manager to own fraud risk operations across Trovy’s HELOC card product. You’ll manage credit card disputes, oversee transaction authorizations, lead fraud reviews across origination and servicing, and build the operational infrastructure that keeps the card program running cleanly for borrowers and the business. This role requires deep card issuer experience: you know how card fraud works end-to-end and can move from hands-on investigation to policy recommendation without missing a beat. You’ll work closely with our BIN sponsor, card network, and internal teams, with direct influence over how Trovy’s fraud controls evolve. This is a high-ownership, operator role with meaningful growth potential as the portfolio scales.

Key Responsibilities

Disputes & Chargebacks

• Manage end-to-end dispute and chargeback operations, from intake and investigation through provisional credit decisions and network responses via Trovy's BIN sponsor

• Maintain dispute tracking and reporting, including aging, resolution rates, root cause trends, and cardholder outcomes

• Develop and refine dispute procedures to meet network timeframes and regulatory obligations, and recommend policy changes to reduce dispute volume over time

Authorization Operations

• Monitor card authorization activity, including declines, system exceptions, and velocity flags

• Triage and resolve authorization issues in coordination with the card processor and BIN sponsor

• Maintain authorization rules documentation, track performance metrics, and escalate anomalies to leadership and bank partners

Fraud Review — Origination & Servicing

• Conduct manual fraud reviews across origination and servicing, covering identity verification, ATO, synthetic identity, and first-party fraud

• Make disposition decisions on fraud cases and escalate appropriately to compliance, legal, or law enforcement when warranted

• Maintain case documentation and SAR-referral workflows, and coordinate with origination and credit teams on fraud signals that affect underwriting

Fraud Policy & Controls

• Analyze fraud loss trends and recommend changes to rules, velocity controls, and detection logic

• Evaluate and optimize third-party fraud tooling, and flag gaps in coverage

• Develop fraud policy documentation and support reporting to Trovy's BIN sponsor and card network

Operational Processes & Reporting

• Build and maintain operational runbooks and deliver regular fraud and dispute performance readouts to leadership

• Partner with compliance on Regulation E/Z obligations, network rules adherence, and any regulatory inquiries related to card operations

• Support audit and exam preparation related to card operations and fraud controls

What We’re Looking For

• 5+ years of experience in fraud or card operations at a card-issuing fintech or bank required.

• Hands-on experience with credit card disputes and chargebacks, including Mastercard/Visa network rules and Reg E/Z

• Strong command of card fraud types (CNP, ATO, synthetic identity, friendly fraud) and end-to-end investigation and disposition workflows, including SAR referral

• Experience with fraud tooling platforms, Feedzai, Sardine, Sift, or similar, and the ability to evaluate and optimize them

• Familiarity with BIN sponsor relationships and card network compliance requirements

• Able to recommend fraud policy changes, build processes from scratch, and operate with autonomy in a fast-moving environment

Why Join Us?

• Compensation: Base Salary: $90,000 – $120,000 commensurate with experience , meaningful equity participation.

• Market Opportunity: Join a team tackling the $30T home equity market.

• Early Impact: Help shape our operations from the ground up.

• Ownership: Competitive salary, meaningful equity, and room to grow

• Location: On-site, New York City or Salt Lake City

• Benefits: 401K, 100% company-paid dental, medical, vision and life insurance, flexible time off, and more