Payments Fraud Investigator

Job Overview

As a Payments Fraud Investigator, you will play a critical role in safeguarding Stripe's financial ecosystem by investigating high-risk accounts and identifying various forms of fraud.

Stripe is a financial infrastructure platform for businesses. Millions of companies,from the world’s largest enterprises to the most ambitious startups,use Stripe to accept payments, grow their revenue, and accelerate new business opportunities.

Responsibilities

• 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 through collaboration with key stakeholders.
• 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.
• Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes.

Requirements

• 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.
• Excellent written and verbal communication skills in both English and Spanish.
• Ability to travel to vendor locations for up to 10% of the year.

Preferred Qualifications

• Experience in payments, e-commerce, social media, or fintech, mitigating digital/card-not-present fraud.
• Experience investigating and mitigating card testing and account takeover attacks.
• Experience designing fraud/risk workflows, analyst tooling, and processes/procedural workflows.
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations.