Head of Fraud Analytics

Deskripsi Pekerjaan

Job Desc

Own and define Flip's fraud analytics strategy across all products, payment channels, and customer journeys.

Lead the fraud analytics team responsible for transaction monitoring, fraud detection, rule optimization, fraud investigations, and fraud performance reporting.

Develop scalable fraud monitoring frameworks, dashboards, and KPIs to continuously measure fraud exposure, operational effectiveness, and customer impact.

Drive continuous optimization of fraud detection rules, machine learning signals, thresholds, and decision strategies to maximize fraud prevention while minimizing customer friction and false positives.

Analyze large-scale transactional, behavioral, and operational datasets to identify fraud trends, attack patterns, emerging risks, and systemic vulnerabilities.

Partner closely with Product, Engineering, Operations, Compliance, Data Science, and Business teams to embed fraud prevention into product design and operational processes.

Provide strategic recommendations for new product launches, payment methods, customer journeys, and business initiatives from a fraud risk perspective.

Lead fraud analytics support for regulatory reviews, audits, investigations, and compliance requirements, ensuring proper documentation and governance.

• Establish fraud governance processes, reporting standards, and executive-level risk communication.
• Drive continuous improvement in fraud detection methodologies by leveraging advanced analytics, automation, AI, and emerging technologies.

Build, mentor, and develop a high-performing fraud analytics organization, fostering strong analytical capabilities, innovation, and ownership.

Represent Fraud Analytics in executive discussions and serve as the primary advisor on fraud-related strategic decisions.

Requirement

10+ years of experience in Fraud Analytics, Fraud Risk Management, Risk Analytics, or Financial Crime, preferably within fintech, payments, banking, digital banking, or consumer finance.

Proven experience leading fraud analytics teams and managing fraud strategies at an organizational level.

Deep understanding of payment ecosystems, fraud typologies, transaction monitoring, authentication, chargebacks, account takeover, mule detection, scams, and digital payment fraud.

• Strong expertise in fraud analytics, fraud detection methodologies, fraud operations, and fraud performance management.
• Advanced analytical and problem-solving skills with experience working with large-scale transactional and behavioral datasets.
• Strong SQL proficiency and familiarity with Python, R, or similar analytical tools.
• Hands-on coding experience is preferred but the ability to lead technical analytics initiatives is essential.
• Experience designing fraud rules, detection strategies, fraud KPIs, and fraud decision frameworks.
• Strong knowledge of regulatory requirements related to fraud prevention, AML, payment risk, and financial crime.
• Experience collaborating with regulators, auditors, compliance teams, and external partners.

Excellent communication and stakeholder management skills, with the ability to influence senior leadership and translate complex analytical insights into business decisions.

• Proven track record of building, mentoring, and leading high-performing analytics teams.
• Strategic mindset with the ability to balance customer experience, business growth, operational efficiency, and fraud risk.