Payments Fraud Investigator

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

We are looking for someone passionate about fighting fraud, identifying new trends/typologies, conducting investigations, and has a strong desire to work collaboratively with peers and partners in the fraud space while building and enhancing investigative processes at scale. This position works closely with cross-functional stakeholders across product, engineering, and operations to identify and mitigate risk from merchant fraud, card testing, and account takeover.

What you’ll do

Responsibilities

• Investigate high risk accounts to identify fraudulent merchants, card testing, account takeover, and other fraud vectors.
• Conduct deep dive investigations on merchant accounts to support financial partner requirements.
• Lead root cause analysis to identify opportunities to predict, prevent, and mitigate risk within process and performance
• Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements to mitigate emerging fraud risks through a collaborative approach with stakeholders
• Lead cross functional projects to improve operational processes and tools to enhance detection and actioning of fraudulent accounts across our analyst network.
• Investigate, mitigate, and remediate incidents related to fraud, card testing, and account takeover.

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.

The right candidate for this role will have a minimum of three years experience conducting fraud investigations and building & scaling investigative 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 demonstrate a deep understanding of fraud typologies.

Minimum requirements

• 3 or more years of experience conducting fraud investigations.
• 1 or more years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders.
• Experience using data to propose creative solutions to both tactical and strategic problems
• Creativity, a team-focused mentality, and effective problem solving skills
• The ability and desire to question the status quo
• The ability to approach challenges from a user perspective while being pragmatic and solutions oriented

Preferred qualifications

• Fraud experience in payments, e-commerce, or fintechs mitigating digital/card-not-present fraud
• Experience investigating and mitigating card testing and account takeover attacks
• 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

Hybrid work at Stripe

This role is available either in an office or a remote location (typically, 35+ miles or 56+ km from a Stripe office).

Office-assigned Stripes spend at least 50% of the time in a given month in their local office or with users. This hits a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility about how to do this in a way that makes sense for individuals and their teams.

A remote location, in most cases, is defined as being 35 miles (56 kilometers) or more from one of our offices. While you would be welcome to come into the office for team/business meetings, on-sites, meet-ups, and events, our expectation is you would regularly work from home rather than a Stripe office. Stripe does not cover the cost of relocating to a remote location. We encourage you to apply for roles that match the location where you currently or plan to live.

Pay and benefits

The annual US base salary range for this role is $94,500 - $127,900. For sales roles, the range provided is the role’s On Target Earnings ("OTE") range, meaning that the range includes both the sales commissions/sales bonuses target and annual base salary for the role. This salary range may be inclusive of several career levels at Stripe and will be narrowed during the interview process based on a number of factors, including the candidate’s experience, qualifications, and location. Applicants interested in this role and who are not located in the US may request the annual salary range for their location during the interview process.

Additional benefits for this role may include: equity, company bonus or sales commissions/bonuses; 401(k) plan; medical, dental, and vision benefits; and wellness stipends.

We look forward to hearing from you

At Stripe, we're looking for people with passion, grit, and integrity. You're encouraged to apply even if your experience doesn't precisely match the job description. Your skills and passion will stand out—and set you apart—especially if your career has taken some extraordinary twists and turns. At Stripe, we welcome diverse perspectives and people who think rigorously and aren't afraid to challenge assumptions. Join us. Apply