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

What you’ll do

As a Payments Fraud Investigator, you’ll play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You’ll conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies will be essential to developing and enhancing investigative processes and programs.

Responsibilities

  • Analyze high-risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors
  • Lead root-cause analyses to identify gaps in current systems, policies, and strategies, and determine enhancements and process improvements to address emerging fraud risks in collaboration with key stakeholders
  • Drive cross-functional projects aimed at refining operational processes and tools and enhancing the detection and management of fraudulent accounts across our global analyst network
  • Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency, distributed fraud attacks
  • Communicate regular updates during team and organization-wide business reviews, summarize the outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions
  • Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, identify challenges, and enhance analyst performance to improve overall outcomes

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.

Minimum requirements

  • 5+ years of experience conducting complex investigations
  • 3+ year of experience leading risk-related projects and initiatives and collaborating effectively with cross-functional stakeholders
  • Demonstrated ability to leverage data to propose solutions to both tactical and strategic challenges
  • A proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements
  • A user-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset
  • Ability to travel to vendor locations for up to 10% of the year

Preferred qualifications

  • Experience mitigating digital or card-not-present fraud in payments, e-commerce, social media, or fintech
  • Experience investigating and mitigating card-testing and account-takeover attacks
  • Experience designing fraud and risk workflows, analyst tooling, processes, and procedures
  • Strong proficiency in using SQL to analyze data, generate insights, and create dashboards and visualizations

Working remotely at Stripe

A remote location 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 live or plan to live.

Pay and benefits

The annual US base salary range for this role is $114,600 - $171,800. 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 now

Please find our California applicant personal information notice here.

The application window will remain open for 100 days after the Job Post is published. However, this opportunity will remain open based on the needs of the business, which may cause the application window to close before or after the 100-day mark.