Payments Fraud Investigator

Who we are About StripeStripe 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.

What you ll doDid you know that only around 4% of the world s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn t come without significant risk. Each day, bad actors disrupt the trust and safety of the internet and increase the barrier of entry for online businesses. Before we can fully realize the potential of a global internet economy, we must first address the burgeoning problem of fraud.

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.

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.

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.

Utilize Stripe tools and systems to enable systematic actioning of fraudulent merchants, maintaining an extremely high level of accuracy to prevent negative user experience.
Lead team workstreams related to fraud detection and accuracy, providing updates in team and org wide business reviews.

Who you areWe'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.

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