Fraud Strategy Manager / Senior Manager (Onboarding) at Cardless · LumiJobs · LumiJobs

Responsibilities

We're looking for a Fraud Strategy Manager or Senior Manager – Onboarding to own the end-to-end fraud strategy for how we evaluate new applicants. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines which applicants are approved, stepped up for review, or declined, and making sure the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Chief Risk Officer, you'll work at the intersection of data, tooling, and operations to sharpen our onboarding defenses as Cardless scales in the next year. You'll own the manual review program, drive the strategy for leveraging alternative data signals from bank data, device intelligence, and partner sources, and build the measurement infrastructure to continuously improve performance.
Manual Review Strategy & Operations
Define the logic and thresholds for routing applicants into manual review, balancing fraud risk against approval rates and customer experience.
Own the manual review program end-to-end: queue prioritization, SLA design, analyst tooling, and case escalation paths.
Evaluate the effectiveness of tools used in manual review; identify gaps and advocate for new capabilities that help analysts make faster, higher-quality decisions.
Track manual review outcomes rigorously: analyst decisions, approval/decline rates, reversal rates, downstream fraud on reviewed accounts, and false positive costs.
Build structured feedback loops between review outcomes and upstream rules triggers to drive continuous policy refinement.
Alternative Data & Signal Development
Lead the strategy for incorporating bank account data into onboarding decisions, leveraging signals such as account tenure, balance history, income patterns, and return/NSF activity.
Operationalize device intelligence and behavioral signals to strengthen identity and fraud detection at the top of the funnel.
Develop a framework for using partner data: loyalty engagement, transaction history, tenure signals as supplementary fraud indicators in co-brand card programs.

Fraud Strategy Manager / Senior Manager (Onboarding)

Responsibilities

Qualification

Required

Benefits

Company

Cardless

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