Fraud Operations Manager

Sunbit•Las Vegas, NV

2d•Onsite

About The Position

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app. We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other. What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants. We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale. Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence. Sunbit is seeking a Fraud Operations Manager to lead day-to-day fraud operations and drive continuous improvement across fraud prevention, detection, and investigation processes. This role blends people leadership, operational excellence, and data-driven decision-making to reduce fraud losses while maintaining a seamless customer experience.

Requirements

5–8+ years of experience in fraud operations, risk operations, or financial crimes within fintech, payments, lending, or financial services
2+ years of people management experience leading fraud or risk teams
Experience in installment lending, BNPL, or credit underwriting environments
Hands-on experience partnering with Fraud Data Science or Analytics teams
Familiarity with regulatory expectations related to fraud and consumer protection
Strong understanding of fraud typologies (application fraud, identity theft, synthetic identity, account takeover, merchant fraud, chargebacks)
Experience working with fraud tools, case management systems, and decision engines
Data-driven mindset with experience interpreting dashboards, reports, and trends (SQL or BI tools a plus)
Proven ability to improve processes, scale operations, and implement automation
Excellent communication and cross-functional collaboration skills
Ability to thrive in a fast-paced, high-growth environment

Responsibilities

Lead and develop a team of Fraud Analysts responsible for transaction monitoring, application review, chargeback management, and investigations
Own daily fraud operations workflows, SLAs, and escalation processes
Monitor fraud trends, KPIs, and loss metrics; identify root causes and recommend corrective actions
Partner with Fraud Data Analytics to optimize rules, models, and alerting strategies
Collaborate with Product and Engineering on fraud tooling, automation, and system enhancements
Ensure consistent application of fraud policies and procedures across all channels
Drive operational efficiency while balancing fraud risk, approval rates, and customer experience
Support audits, regulatory inquiries, and compliance requirements related to fraud controls
Create and maintain documentation, playbooks, and training materials
Serve as an escalation point for complex fraud cases and emerging fraud patterns

Benefits

Competitive pay and stock options
Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
Newly added HSA and Pet Insurance
401(k) with company match
Cell Phone Stipend
Team-based strategic planning and ownership of deliverables

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