Lead Risk Investigator, Fraud

Tilt Finance

1d•$83,000 - $98,000•Remote

About The Position

Tilt is hiring a Lead Risk Investigator to own complex fraud investigations end to end, including multi-week fraud rings, systemic attack patterns, and cross-product cases. This is an advanced individual-contributor role where the person will act as the senior-most investigative authority, running project-scale investigations, setting standards for other investigators, and representing fraud findings to leadership. The role involves partnering with Compliance, Product, Engineering, and Data to implement rule changes, product fixes, and process improvements.

Requirements

8+ years in fraud investigations, risk operations, or financial crimes, including direct experience running complex, multi-week investigations independently — not just working a queue.
Deep, practical mastery of fraud typologies across card, ACH, and P2P — account takeover, identity fraud, first- and third-party fraud, coordinated fraud rings, and payments fraud.
Practical working knowledge of consumer protection regulation as it applies to fraud and disputes — FCRA, Reg Z, Reg E — and comfort operating under BSA/AML referral processes.
A track record of taking a fraud investigation all the way through to a rule, control, or process change, and defending that reasoning under audit or regulatory scrutiny.
Comfort working in data — able to query and interpret fraud data (SQL or similar), build the analysis behind an investigation, and present it to both investigators and executives.
Experience with fraud and identity tooling such as Alloy, Socure, Persona, LexisNexis, Sardine, or close equivalents, including evaluating or helping select tools.
Strong written and verbal communication — able to translate a complex investigation into a clear, decision-ready narrative for leadership.

Nice To Haves

Experience in fintech, banking, or consumer lending under an active regulatory exam environment.
Experience operating as a senior IC or informal technical lead — setting standards and unblocking others’ casework without formal management authority.
Familiarity with credit bureau dispute processes (ACDV/e-Oscar) and how fraud-driven tradeline deletions flow through credit furnishing.
Certified Fraud Examiner (CFE) designation

Responsibilities

Lead project investigations: Own the investigation of Tilt’s most complex fraud events end to end — coordinated fraud rings, systemic attack patterns, and cross-product schemes — from initial signal through root-cause analysis, account remediation, and a leadership-ready readout.
Set the investigative bar: Take direct ownership of the hardest, most ambiguous referrals — identity theft rings, first- vs. third-party fraud disputes with no clean precedent — and build the investigative framework other cases get measured against.
Lead incident response: Act as the senior investigative lead during fraud incidents — scoping the impacted population, directing account and merchant-level containment, and owning the post-mortem that drives lasting remediation.
Turn cases into controls: Use investigation findings to drive fraud rule, threshold, and control changes — partnering with Compliance and Fraud Strategy so tuning reflects what you’re actually seeing in casework, not just alert volume.
Own vendor evaluation: Take a lead role in fraud vendor evaluations (identity, device, and behavioral tooling), assessing how new tools would change investigative capability, not just alert coverage.
Bring the data: Use SQL/Databricks to build the analysis behind your investigations — hit-rates, false-positive rates, loss attribution — and package it for both investigators and executives.
Be the fraud voice in the room: Represent Risk Operations’ fraud findings directly to Compliance, Product, Engineering, and leadership — translating investigative detail into the tradeoffs they need to act on.
Mentor without managing: Serve as the go-to fraud subject-matter expert for Team Leads, Sr Risk Investigators, and BPO partners — reviewing casework, unblocking hard calls, and formalizing playbooks so investigative quality holds as volume scales.