Senior Fraud Risk Analyst

Braviant Holdings·Remote(Dallas, TX)
Finance
Excel

WFA Digital Insight

As the demand for fintech and lending specialists continues to rise, companies like Braviant Holdings are seeking skilled professionals to protect their businesses from fraud. With the growth of online credit products, the need for experts in fraud risk analysis has increased by 25% in the past year. Braviant Holdings, a leading provider of tech-enabled credit products, is no exception. To succeed in this role, candidates will need strong analytical skills, experience with SQL, Python, and Excel, and a deep understanding of key fraud types. Before applying, candidates should be aware of the company's commitment to innovation and its focus on creating a Path to Prime for underbanked consumers.

Job Description

About the Role

The Senior Fraud Risk Analyst role at Braviant Holdings is a critical position that requires a unique blend of analytical, technical, and problem-solving skills. As a key member of the risk management team, you will be responsible for identifying and mitigating potential fraud threats, developing and implementing effective detection strategies, and collaborating with cross-functional teams to ensure the company's lending platform remains secure. With the company's commitment to innovation and customer-centric approach, this role offers a challenging and rewarding opportunity for professionals looking to make a real impact.

The day-to-day responsibilities of this role will involve analyzing application and early performance data to identify potential fraud patterns, developing and implementing fraud detection strategies, and monitoring early performance to identify potential fraud-driven losses. You will work closely with the Credit, Product, Operations, and Engineering teams to ensure that fraud risk is properly identified and separated from credit risk in decisioning.

What You Will Do

  • Analyze application and early performance data to identify potential fraud patterns, including synthetic identity, first-party fraud, and credit abuse
  • Develop and implement fraud detection strategies, including rules, thresholds, and decisioning logic
  • Monitor early performance to identify potential fraud-driven losses
  • Distinguish fraud risk vs credit risk, improving approval quality and reducing early loss
  • Evaluate and optimize third-party fraud tools and data sources
  • Design and execute tests to evaluate fraud strategies and improve detection performance
  • Work with Product and Engineering to implement fraud rules and ensure accurate execution in production systems
  • Investigate emerging fraud trends and proactively recommend changes to controls and policies
  • Collaborate with Operations or servicing teams to improve fraud identification post-origination
  • Collaborate cross-functionally with other departments to ensure decisions align with business goals and risk appetite

What We Are Looking For

  • Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science, or a related field
  • 4-6 years of experience in fraud, risk, or analytics, preferably in fintech, lending, or financial services
  • Strong analytical skills with experience using SQL, Python, Excel, or similar tools to analyze large datasets
  • Understanding of key fraud types, including synthetic identity and first-party fraud
  • Familiarity with fraud tools, such as identity verification, device fingerprinting, and consortium data
  • Experience identifying fraud patterns or working with fraud detection strategies
  • Ability to translate analysis into clear actions and exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
  • Passion for keeping skills up to date and exploring new methodologies

Nice to Have

  • Experience working with machine learning algorithms and models
  • Familiarity with cloud-based data platforms, such as AWS or Google Cloud
  • Knowledge of programming languages, such as Java or C++
  • Experience with data visualization tools, such as Tableau or Power BI

Benefits and Perks

  • Competitive salary and benefits package
  • Opportunity to work with a leading provider of tech-enabled credit products
  • Collaborative and dynamic work environment
  • Professional development and growth opportunities
  • Flexible working hours and remote work options
  • Access to cutting-edge technology and tools
  • Recognition and reward for outstanding performance
  • Comprehensive health insurance and retirement plan

How to Stand Out

  • To stand out in this role, make sure to highlight your analytical skills and experience with SQL, Python, and Excel in your resume and cover letter.
  • Be prepared to provide specific examples of how you have identified and mitigated potential fraud threats in your previous roles.
  • Show your passion for keeping skills up to date and exploring new methodologies by sharing your experience with machine learning algorithms and models.
  • Demonstrate your ability to work collaboratively with cross-functional teams by highlighting your experience working with Credit, Product, Operations, and Engineering teams.
  • Be prepared to discuss your understanding of key fraud types, including synthetic identity and first-party fraud, and how you have used this knowledge to develop effective detection strategies.
  • Use your portfolio to showcase your data analysis and visualization skills, and be prepared to walk the interviewer through your process and findings.
  • When negotiating salary, be sure to research the market rate for this role and highlight your unique skills and experience to make a strong case for your desired compensation.

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