Job Description

Fraud Analyst

The Fraud Analyst is responsible for preventing, identifying, and addressing fraud at Chowbus. Serving as the subject matter expert and primary investigator for all fraud-related matters, this role exercises independent judgment to analyze complex data patterns, assess risk exposure, and recommend effective prevention strategies. The Fraud Analyst partners closely with Compliance, Finance, and Product teams to strengthen internal controls, support business growth, and ensure the integrity of financial operations.

What You'll Focus On:

Fraud Strategy & Risk Modeling

• Develop rules, risk models, and alerts based on transaction patterns, merchant behavior, and processor feedback.
• Exercise judgment in determining risk tolerance levels and recommending operational improvements to mitigate exposure.

Risk Management Framework Implementation

• Lead the Implement and continuous enhancement of the company's fraud and risk management framework.
• Interpret data and make strategic recommendations to optimize transaction monitoring, payout processes, and overall fraud prevention procedures.

Incident Investigation & Advisory Reporting

• Conduct complex investigations into suspicious activity, chargebacks, and irregular transaction patterns.
• Prepare analytical summaries and recommendations for compliance and Finance leadership, advising on corrective actions or policy adjustments.

Data Reporting & Risk Insights

• Design and maintain fraud performance dashboards and risk reports tracking chargeback rates, declines, refund ratios, and other KPIs.
• Interpret data trends and provide actionable insights to management to inform business decisions.

Tools & Process Optimization

• Evaluate, recommend, and support the implementation of advanced fraud detection tools and software systems.
• Collaborate with vendors and internal resources to ensure tools align with business objectives and compliance requirements.

Cross-Functional Collaboration

• Partner with the Compliance, Product, and Finance team to ensure fraud controls align with overall business goals.
• Exercise discretion in resolving escalated issues with processors and merchants.

Qualifications:

• 3+ years of experience in fraud analysis, financial risk management, or payment processing, preferably in SaaS, fintech, or e-commerce industries.
• 1+ years of relevant fraud investigation experience highly preferred.
• Education: Bachelor's degree in Finance, Economics, Data Analytics, Business Administration or a related field preferred.
• Hands-on experience with Stripe Radar, Adyen Score, or comparable fraud tools is preferred.

Competencies:

• Strong proficiency in Excel required.
• Strong problem-solving skills and ability to quickly understand complex customer issues through research, investigations, and appropriate questions required.
• Exceptional written and verbal communication skills required.
• Ability to work independently and in a team environment required.
• Ability to prioritize and manage multiple tasks and responsibilities required.
• Strong time management skills required.
• Ability to draw insights from data required.
• Judgment & Integrity: Proven track record of exercising discretion in handling sensitive financial and compliance information.

Work Condition:

• This position is primarily remote in the US, with occasional travel if it is needed.
• Work hours are generally standard business hours, with flexibility required to accommodate urgent fraud investigations or coordination across time zones.
• The role involves prolonged periods of sitting and extensive computer use to review data, monitor transactions, and prepare analytical reports.
• Work is performed in a fast-paced, data-driven environment that demands high attention to detail, confidentiality, and sound decision-making.
• Must maintain a secure and compliant remote work environment, adhering to company policies for data protection and confidentiality.

Disclaimer:

• The job description is not meant to cover or include all the tasks, duties or responsibilities the employee may be required to perform.
• The job duties and responsibilities can change at any time, with or without notice.

What We Offer:

• Salary range: $60K-$80K
• Medical, dental, and vision insurance
• 401(k)
• 100% employer-paid Short-Term Disability (STD)
• 100% employer-paid Life Insurance and option for additional employee-paid Life Insurance
• 100% employer-paid Accidental Death and Dismemberment (AD&D) Insurance and option for additional employee-paid AD&D Insurance
• Company holidays
• Birthday off
• Paid Parental Leave
• Flexible Paid Time Off (PTO)
• Employee Assistance Program (EAP)
• The salary range for this position is between $65k to $80k

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