Plaid
Fraud and Abuse Operations Analyst
San Francisco HQ · Senior
Sponsorship not specifiedDetected 50 days ago
SQLMachine LearningData AnalysisAgentic AIMLOpsCybersecurityIncident ResponseProduct StrategyResearchCommunication
About the role
- We believe that the way people interact with their finances will drastically improve in the next few years.
- Plaid powers the tools millions of people rely on to live a healthier financial life.
- We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use.
Responsibilities
- Drive Investigations and Mitigate Risks: Investigate fraud and abuse claims from diverse sources, partnering with senior teammates on complex cases.
- Proactively perform threat modeling of abuse surfaces and continuously survey external fraud trends, adversary techniques, tooling, and emerging threat vectors
- Support Incident Response: Help triage and manage fraud and abuse events as internal incidents (SEVs), collaborating across teams to drive resolution. Your contributions in these situations will minimize disruption and protect Plaid's reputation.
- Inform Product Strategy: Partner with Consumer Risk and other product teams, providing operational insights from on-call and investigations.
- Help triage and manage fraud and abuse events as internal incidents (SEVs), collaborating across teams to drive resolution.
- Partner with Consumer Risk and other product teams, providing operational insights from on-call and investigations.
Requirements
- 3+ years of experience in fraud/abuse operations, trust & safety, and/or incident response
- Experience triaging fraud or related incidents, with tight containment deadlines.
- Experience managing escalations and making informed trade-off decisions with multiple stakeholders.
- Ability to coordinate and communicate effectively with internal Legal, Compliance, Comms and other risk management teams during incident triage.
- A battle-tested mental model for balancing fraud mitigation vs. conversion, and the ability to calibrate and apply this mental model in the context of Plaid's business objectives under pressure.
- Working knowledge of fraud typologies-account takeover, different types of payments fraud, ACH fraud, chargebacks, kiting, rewards harvesting, etc.
- Familiarity with the tactics, techniques, and procedures (TTPs) used by bad actors to commit different types of fraud on the web.
- Dark and grey-web navigation and investigation experience, ability to assess source credibility, and translate external intelligence into actionable insights.
- Proficiency with SQL for querying data sets and building reports.
- Ability to spot anomalies and fraudulent patterns in logs and other data sets (transactions, request data, etc.), with judgment to escalate ambiguous cases.
- Incident response and investigations:
- Fraud and abuse detection and prevention context:
- Familiarity with common mitigation strategies for the same, with a developing point of view on their relative pros and cons.
- Fraud and abuse intelligence:
- Experience translating fraud investigations and research into actionable detection signals, rules, and labeled datasets, while partnering closely with DS/ML and product teams to improve feature sets, labeling quality, evaluation frameworks, and model decay monitoring.
- Experience developing and maintaining threat models for authentication and other high-risk product surfaces, with a track record of proactively identifying emerging risks.
Skills
- Comfortable with common analysis tools and manipulation tools.
- Operational depth and maturity:
- Experience contributing improvements to operational processes and controls.
- Strong written and verbal communication skills.
- Nice-to-Haves:
- Familiarity with machine learning models for fraud detection.
- Fraud domain certifications (e.g., CFE/fraud examination background).
- Exposure to production ML model lifecycles and metrics for drift/decay.
- Effective use of AI and AI agents to accelerate investigations and research
Compensation
- Additional compensation in the form(s) of equity and/or commission are dependent on the position offered.
Company info
- Participate in the abuse on-call rotation, directly protecting our users and customers by responding to and resolving fraud and abuse events.
- Your timely actions will be instrumental in maintaining trust and security.
- Safeguard Plaid's Platform: Participate in the abuse on-call rotation, directly protecting our users and customers by responding to and resolving fraud and abuse events. Your timely actions will be instrumental in maintaining trust and security.
This listing is sourced directly from Plaid's careers page and normalized into a canonical job model.