Senior Fraud Analyst - Team Lead

The role

This person will build the fraud function from the ground up, including fraud tooling, investigations workflow, alert triage, and bank-partner reporting. They will work as a fraud subject-matter expert alongside BSA/AML Officers, Underwriters, and Data Science.

What you will do

• Develop and mature transaction monitoring tools and investigations workflows
• Define SOPs, escalation paths, and decision frameworks
• Monitor and triage fraud alerts across merchant and user populations
• Conduct deep-dive investigations into suspected fraudulent activities
• Drive remediation including case disposition and merchant offboarding
• Assess exposure across merchant fraud and user fraud
• Track chargeback and fraud trends and recommend controls
• Monitor card network programs and manage merchant remediation
• Serve as primary owner of fraud-related RFIs from sponsor bank partners
• Hire, train, and mentor fraud analysts as the team grows

Required qualifications

• 5–8 years of experience in chargeback & fraud prevention, detection, investigations, or remediation within a payment service provider, Acquirer, or fintech platform
• Strong, hands-on understanding of fraud in the card acquiring space
• Working knowledge of card brand fraud and chargeback monitoring programs such as VAMP, ECM, SMMP, VIRP, BRAM, etc.
• Experience building or significantly improving fraud tooling, case management workflows, or investigations processes
• Comfortable responding directly to bank partner and sponsor bank RFIs
• Highly analytical
• Excellent written and verbal communication skills

Nice to have

• Experience with high-risk or emerging verticals such as crypto on/off-ramps, gaming, sweepstakes, digital goods
• SQL proficiency or comparable data skills
• Familiarity with AML/KYC/underwriting processes
• People leadership experience or a demonstrated path toward building and leading a fraud team over time
• Comfortable discussing complex merchant processing situations with Acquirers, Sponsor Banks, and the Card Networks

About the company

Coinflow is a payment service provider serving marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide. The company is headquartered in Chicago, IL.