Fraud Strategy (Manager)

Website ONE

About the job

About ONE

ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place.The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!The roleAs a Fraud Strategy SME, your mandate is to develop fraud prevention capabilities that protect our customers and our company from fraud loss. This role will impact ONE’s vision by enabling us to broaden our value proposition to the customers by rapidly launching new products and features while keeping our customers information and monetary assets safe. You will work closely with the technology, operations, data and platform teams in advancing fraud controls and related infrastructure. This role reports to Head of Fraud for One.This role is responsible for

  • Prevention of loss from various fraud modes (Transaction/Authorization, Application/Identity, Account Takeover, payments/money movement, 1st and 3rd Party etc).
  • Working with immediate stakeholders in engineering, operations, data and platform teams in advancing fraud controls and related infrastructure
  • Understanding the fraud marketplace vendors and their utilization in a comprehensive fraud prevention program.
  • Helping guide the development of data marts and data models used for fraud strategy and analytics.
  • Conducting independent analytics of portfolio behavior to identify fraud trends / patterns using relevant tools (SQL, Python, R, Tableau, DataBricks, DataVisor).
  • Building appropriate monitoring/alerting infrastructure and response mechanisms for emerging fraud attacks.
  • Building and deploying fraud rules in production systems.
  • Providing continuity across time zones for fraud monitoring and mitigation efforts
  • Additional duties as assigned by your manager

You bring:

  • Expert Career (10+ Years)
  • An act-like-an-owner mentality. We have a strong bias towards taking action.
  • Significant experience in a relevant fraud strategy role; ideally experienced in mitigation of all major fraud types
  • Significant analytical skills with an ability to process vast amounts of data into meaningful information
  • Proficiency in SQL / Python / SAS
  • Ability to thrive in a fast paced and outcome based business environment
  • Great communication skills with the ability to articulate complex issues in simple language
  • Master’s degree in a quantitative field study (e.g. mathematics, statistics, economics, data science, scientific, or engineering).
  • Experience with diverse decision engines and fraud vendors preferred
  • English Proficiency Writing and Speaking

Leveling PhilosophyIn order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & BelongingTo build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at additional questions around our interview process, please check out our Candidate FAQs.

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