Cardless
Fraud Strategy Manager / Senior Manager (Onboarding)
San Francisco · Senior
Sponsorship not specified$150k-$210kDetected 111 days ago
SQLData ScienceCommunication
About the role
- We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways.
- We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
- We value curiosity, humility, and intensity - we move fast and take ownership.
Responsibilities
- Build structured feedback loops between review outcomes and upstream rules triggers to drive continuous policy refinement.
- 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.
- you ask the right questions, align stakeholders, and drive decisions forward.
- ✈️ Team building events & happy hours
Requirements
- 5-10 years of experience in fraud strategy, identity risk, or credit risk at a financial institution, fintech, or payments company.
- Deep expertise in onboarding fraud - synthetic identities, identity manipulation, first-party fraud vectors, and deposit/funding fraud.
- Hands-on experience with bank data providers in a fraud or credit risk context.
- Familiarity with device intelligence and behavioral fraud platforms.
Skills
- Conduct regular portfolio reviews to surface emerging fraud patterns, track loss trends, and assess detection performance.
- Work with Compliance and Legal to ensure onboarding controls meet BSA/AML, Red Flags Rule, ECOA, and UDAAP requirements.
Compensation
- This role has an annual starting salary range of $150,000 - $210,000 + equity + benefits (see below).
- Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.
Benefits
- We're proud to offer our team excellent benefits:
- 💸 Meaningful Start-up equity
- 🏥 100% health, vision & dental primary coverage
- ➕ 75% health, vision & dental dependent coverage
- 🚎 $250/month Commuter benefit
- 👶 Parental leave
- 🌴 Flexible PTO with a minimum of 15 days off per year
- we offer additional benefits to those who do, and relocation assistance to those who'd like to.
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This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.