Fraud Strategy Manager

The role

The Fraud Strategy Manager leads the strategy for evaluating and responding to transactions across the credit card portfolio. This role shapes transaction decisioning, account takeover and payment controls, and responses to coordinated fraud events.

What you will do

• Lead the framework for approve, decline, and step-up decisions across all Cardless-issued cards.
• Design detection and authentication controls for credential compromise, SIM swap, and social engineering.
• Set the strategy for placing and releasing holds on ACH payments and balance transfers.
• Build real-time monitoring and response plans for BIN attacks, merchant compromises, and fraud rings.
• Define fraud KPIs and run regular portfolio reviews.
• Translate strategy into system requirements with product and engineering.
• Ensure controls meet Reg E, Reg Z, network rules, and UDAAP.
• Support dispute and ATO recovery workflows with customer operations.

Required qualifications

• 5+ years of experience in transaction fraud strategy at a card issuer, fintech, payments network, or financial institution.
• Experience with transaction fraud decisioning across card-not-present, card-present, account takeover, payment fraud, and coordinated fraud events.
• Working knowledge of Visa, Mastercard, or Amex network rules, including authorization, chargebacks, disputes, and fraud monitoring programs.
• Familiarity with payment hold strategy and funding fraud patterns such as ACH returns, payment reversals, and bust-out behavior.
• SQL skills and experience using data to build, evaluate, and tune fraud rules and models.
• Clear communication, including the ability to explain fraud tradeoffs and recommendations to executives, network partners, and compliance teams.
• A collaborative, proactive approach.

Benefits

• Meaningful Start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Parental leave
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan

About the company

Cardless is building the infrastructure for companies to design, build, and launch financial products. The team is over 70 people and scaling toward profitability by year-end 2026.