Cardless

Cardless

Fraud Strategy Manager / Senior Manager (Onboarding)

San Francisco · Senior

Sponsorship not specified$150k-$210kDetected 204 days ago
SQLSparkData ScienceCommunication

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odds of building a lasting career here

59Sponsors, lottery-bound
Cap-exempt (no lottery)0
Sponsors this role80
Entry-level history0
PERM / green-card track0
Lottery odds (Level IV)94
Fits your clock70

Sponsors, but it's cap-subject — you still face the weighted lottery (~61% per draw at Level IV). Good if you win; have a cap-exempt backup on your list.

Lottery odds assume a STEM candidate.

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Employer immigration record

from this employer's Department of Labor filings

Files H-1B transfers

3 transfer filings in the last year, covering 3 workers. Median labor-condition decision: 8 days. An employer that already files transfers is one that can take over an existing H-1B.

Sourced from Department of Labor LCA, PERM and prevailing-wage disclosure data. Employer matching is by name, so figures may be split across an employer's legal entities. Absence of a filing means none appears in our copy of the data, not that none exists.

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About the role

  • 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.
  • Define the logic and thresholds for routing applicants into manual review, balancing fraud risk against approval rates and customer experience.
  • Evaluate the effectiveness of tools used in manual review; identify gaps and advocate for new capabilities that help analysts make faster, higher-quality decisions.

Responsibilities

  • Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products.
  • Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own.
  • Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.
  • 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.
  • Build structured feedback loops between review outcomes and upstream rules triggers to drive continuous policy refinement.
  • Evaluate new data sources and vendors on an ongoing basis; build a rigorous test-and-learn methodology to validate signal lift before production deployment.
  • Build reporting to enable real-time monitoring, trend identification, and rapid policy response.
  • ✈️ Team building events & happy hours
  • We're in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person.

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.

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 see what could be improved, make it so, and leave every product, system, and team better than we found it.

Company info

  • We're looking for kind, humble people with high standards and low egos.
  • We're looking for someone who's genuinely excited to be there alongside the team.
  • 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.
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This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.