Director, Fraud Analytics



Accounting & Finance, Data Science
San Francisco, CA, USA
Posted on Thursday, August 10, 2023

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America. We have delivered over $21 billion in affordable and responsible credit over the last 5 years. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1500 talented and dedicated professionals. Come join us if you like to tackle big problems and make a meaningful difference in people's lives.

Upgrade’s Fraud Analytics team is looking for an ACH/card fraud risk director who is passionate in fighting against fraud and has extensive experience in building teams and being a people manager. This leader should specialize in analyzing fraud patterns while creating and adapting advanced fraud prevention mechanisms to not only solve emerging fraud trends, but also to provide a great experience to our customers.

What You’ll Do:

  • Assist the VP of Fraud Analytics to manage a team of 6+ individuals

  • Work with a wide variety of partners in the company, such as product experts, platform engineers, and back-end operations to mitigate and manage Upgrade's financial losses caused by fraud risk such as: third-party identify fraud, first-party fraud, ACH returns, unauthorized card chargeback, and account take-over

  • Apply advanced statistical techniques, algorithms, and industry tools to develop solutions that predict and prevent fraud risk associated with Upgrade's products

  • Build fraud risk-related variables based on fraudulent trends and insights

  • Create robust and customer-friendly policies to reduce dispute abuse in ACH and card transactions

What We Look For:

  • Bachelor’s Degree or above in one of the following fields: economics, finance, engineering, statistics, etc.

  • 6+ years experience in performing data management and analytics

  • Prior experience with Mobile Banking Fraud preferred

  • Prior leadership experience building and leading a medium-sized team

  • Prior experience in Transactional Fraud Risk Management

  • Be an intuitive, organized, analytical thinker with a proven ability to perform detailed analyses in real-world problems

  • Strong written, oral, and interpersonal skills is a must, including the ability to explain and/or present analyses and convey complex ideas to all audiences

  • Good business judgment with a demonstrated ability to think creatively and strategically

  • Proficiency using SQL and querying relational databases, working knowledge of Python and Tableau a plus

  • Excellent spoken and written English

What We Offer You:

  • Competitive salary and stock option plan

  • 100% paid coverage of medical, dental and vision insurance

  • Flexible PTO

  • Opportunities for professional growth and development

  • Paid parental leave

  • Health & wellness initiatives

The compensation range of this position in San Francisco, CA is USD $180,000 - $200,000 annually plus equity and benefits. Within this range, an individual's base pay will be dependent on a variety of factors, including without limitation, job-related knowledge, skills, education, and experience.

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.