Payments Fraud Investigator

## About the Role As a Payments Fraud Investigator at Stripe, you will be responsible for identifying and preventing various forms of fraud, including high-risk accounts, card testing, and account takeovers. This role is critical to the company's mission to increase the GDP of the internet, and you will be working closely with the Fraud Operations team to develop and maintain scalable processes related to fraud analysis. The team's goal is to make it difficult and unprofitable for fraudsters to carry out attacks through Stripe, while also improving support experiences for users impacted by fraud decisions.

The Fraud Operations team is responsible for developing and maintaining scalable processes related to fraud analysis, card testing, account takeover, and financial partner investigation requests. As a Payments Fraud Investigator, you will play a key role in this team, working to identify and prevent fraud, as well as collaborating with stakeholders to enhance fraud detection and prevention strategies.

Stripe is a financial infrastructure platform for businesses, and millions of companies use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. As a Payments Fraud Investigator, you will be working in a fast-paced and dynamic environment, with the opportunity to make a significant impact on the company's mission.

## What You Will Do - 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 - Drive cross-functional projects aimed at refining operational processes and tools, 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 outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions - Collaborate with stakeholders to enhance fraud detection and prevention strategies, and develop and maintain scalable processes related to fraud analysis - Conduct deep-dive analyses of merchant accounts, and identify various forms of fraud - Develop and maintain relationships with key stakeholders, including partner financial institutions and law enforcement agencies - Stay up-to-date with emerging trends and patterns in payments fraud, and apply this knowledge to improve fraud detection and prevention strategies

## What We Are Looking For - 3+ years of experience conducting complex investigations - 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders - Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges - Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements - 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 - Strong analytical and problem-solving skills, with the ability to communicate complex ideas effectively - Experience with data analysis and visualization tools, such as Tableau or Power BI - Strong understanding of payments industry trends and regulations

## Nice to Have - Experience with machine learning or artificial intelligence-based fraud detection systems - Knowledge of programming languages, such as Python or R - Experience with cloud-based technologies, such as AWS or Google Cloud - Certification in a related field, such as CFE or CCEP

## Benefits and Perks - Competitive salary and equity package - Comprehensive health insurance, including medical, dental, and vision - Flexible paid time off, including vacation and sick leave - Remote work stipend, including reimbursement for home office expenses - Professional development opportunities, including training and conference sponsorships - Access to a global network of professionals, including mentorship and networking opportunities - Opportunity to work on a high-impact team, with a clear mission and vision

- To stand out as a candidate, be sure to highlight your experience with data analysis and visualization tools, as well as your ability to communicate complex ideas effectively.

• When preparing for the interview, research Stripe's company culture and values, and be prepared to discuss how your skills and experience align with the company's mission.
• Consider creating a portfolio of your work, including examples of complex investigations you have conducted and the results you achieved.
• Be prepared to discuss your experience with risk-related projects and initiatives, and how you have collaborated with cross-functional stakeholders to achieve your goals.
• Don't be afraid to ask questions during the interview, such as what a typical day looks like in the role, or what the biggest challenges are that the team is facing.
• Be sure to research the salary range for the role, and be prepared to negotiate your salary based on your experience and qualifications.