Responsibilities

We’re hiring a Fraud Strategy Manager to lead the strategy for how we evaluate and respond to transactions across our credit card portfolio. This analytical, strategy-focused role sits at the heart of how Cardless protects cardholders and manages fraud losses while keeping the card experience smooth for legitimate customers.
Reporting to our Chief Risk Officer, you’ll shape transaction decisioning, account takeover and payment controls, and our response to coordinated fraud events. You’ll work closely with data science, product, engineering, compliance, and operations, and your work will directly shape how millions of cardholders experience our partners’ cards. The role is a great fit for someone who enjoys turning data into clear decisions and collaborating across teams to put them into practice.
Transaction decisioning: Lead the framework for approve, decline, and step-up decisions across all Cardless-issued cards, balancing fraud prevention with authorization rates and cardholder experience. Partner with data science to turn model scores into thresholds, segmentation, and policy.
Account takeover and account changes: Design detection and authentication controls for credential compromise, SIM swap, and social engineering, and for sensitive changes like address, phone, email, and card reissue, while keeping self-service easy for legitimate cardholders.
Payment risk: Set the strategy for placing and releasing holds on ACH payments and balance transfers, detect patterns like funding fraud and bust-out behavior, and define clear timelines and communication for customers.
Coordinated fraud events: Build real-time monitoring and response plans for BIN attacks, merchant compromises, and fraud rings, coordinate the response with operations, product, and network partners, and lead post-event reviews.
Measurement: Define fraud KPIs (fraud, false positive, decline, ATO, and chargeback rates), run regular portfolio reviews, and build reporting that supports quick policy updates.
Partnership: Translate strategy into system requirements with product and engineering, ensure controls meet Reg E, Reg Z, network rules, and UDAAP with compliance and legal, and support dispute and ATO recovery workflows with customer operations.
What We Are Looking For
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.

Fraud Strategy Manager at Cardless · LumiJobs

Fraud Strategy Manager

Responsibilities

Benefits

Company

Cardless

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