Fraud Strategy and Operations

Cardless • San Francisco, CA

76d • $130,000 - $190,000

About The Position

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. 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. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels. We're looking for a Fraud Strategy and Operations Lead to join our team and build a world-class fraud prevention operation. In this role, you’ll manage a team responsible for day-to-day fraud operations while shaping strategic initiatives. You’ll leverage data-driven insights to optimize workflows, automate repetitive tasks, and improve operational efficiency for the team. Reporting to our Head of Fraud, you will help to scale our fraud capabilities from handling thousands to millions of transactions as Cardless grows 10x in the next year. This is a hands-on role in a fast-paced environment where your operational expertise and strategic thinking will have a direct impact on how Cardless grows securely and sustainably.

Requirements

• 5+ years of experience leading fraud operations.
• 1+ years of managing teams of 3–10, with proven experience in training, scheduling, and performance management.
• Strong ability to create clear processes that enable teams to operate efficiently.
• Strong project management skills and a track record of driving results.
• Proficiency in SQL and experience using data to optimize operations, track performance, and identify bottlenecks.
• Excellent execution skills and experience turning high-level strategy into detailed operational workflows.
• Proactive, bias-to-action mindset: ability to ask clarifying questions and ensure alignment across teams.
• Technical aptitude: comfortable working with engineers and bridging technical and non-technical teams.
• Excellent communication skills: ability to explain complex concepts to diverse audiences.

Nice To Haves

• Experience in fintech, payments, or financial services is a plus but not required.

Responsibilities

• Own day-to-day fraud operations: Manage application reviews, transaction monitoring, and fraud investigations.
• Build the fraud team: Help build and lead a team of fraud analysts, responsible for training and performance management.
• Strategy Execution & Optimization: Implement fraud detection strategies across customer onboarding and transaction monitoring.
• Partner cross-functionally: Collaborate with Product, Engineering, Compliance, and Customer Service to embed fraud prevention into the customer experience.
• Portfolio Monitoring: Conduct regular portfolio reviews to track fraud trends, loss rates, and detection performance.

Benefits

• Meaningful Start-up equity
• 100% health, vision & dental primary coverage
• 75% health, vision & dental dependent coverage
• Catered lunches
• $250/month Commuter benefit
• Parental leave
• Team building events & happy hours
• Flexible PTO with a minimum of 15 days off per year
• Apple equipment
• 401k plan

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level