Fraud & Risk Lead

Overview

Join to apply for the Fraud & Risk Lead role at Cardless .

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We’re headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

We’re looking for a Senior Fraud Analyst to own fraud risk mitigation analysis across all our partner card programs at Cardless. You’ll be responsible for our entire risk stack, from application fraud and originations policy to transaction monitoring and account management. This role combines strategic leadership with hands-on data analysis to protect our portfolio while enabling growth. As we scale our partnerships, you’ll build systems and processes that let us move fast without breaking things.

We need someone who takes ownership seriously. You’ll drive open communication, tackle problems head-on, and hold the line on risk standards while balancing customer experience. You’ll work within our risk appetite framework but push us to make smarter decisions as our data grows. When something goes wrong, you’re the one who figures out what happened and makes sure it doesn’t happen again.

Responsibilities

• Mine issuer‑level data & external signals (Visa VAA, Mastercard DI, Amex Enhanced Auth) to catch new attack patterns we’re missing.
• Design rules, scorecard features, and risk models for application, transaction, and payment flows.
• Build quick ML prototypes in Python, test them against real-world scenarios, and then use our tools to put them into production.
• Set up monitoring dashboards that catch issues before they become customer experience impacts or expensive problems.
• Own fraud‑loss forecasting. Show us what’s coming from rewards abuse, synthetic ID, transaction fraud, bust‑outs, and other attack vectors.
• Test new fraud tools (device fingerprinting, consortium data, biometrics) and only recommend ones that deliver real ROI.
• Develop fraud mitigation strategies that maximize mitigation without damaging user experiences.

Qualifications

Who you are

Salary

This role has an annual starting salary range of $140,000 - $190,000 + equity + benefits. Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.

Benefits

Location

We’re headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). We welcome employees who want to work from this office; relocation assistance is available. We regularly bring our team together for offsites & trips about every 2 months, covering travel and lodging.

A condition of employment at Cardless is being fully vaccinated and boosted against COVID prior to beginning your employment. We’ll ask you to send us a copy of your vaccination card in advance of your first day.

Seniority level

Employment type

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We’re not including extraneous job postings or unrelated content in this refined description.

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