Senior Associate, Fraud Operations

Gemini•Miami, FL

6d•$44 - $58•Hybrid

About The Position

As a Senior Fraud Operations Associate in the Fraud domain of Risk Engineering, you will enhance and expand fraud detection and mitigation systems across product lines including Exchange, Credit Card, Equities, Predictions, and Wallet, as well as throughout the customer lifecycle. You will investigate customer accounts for first-, second-, and third-party fraud, including payment instrument abuse, scams, and account takeovers. You will also help shape fraud models and rules in collaboration with product, engineering, and data science teams, and improve operations to balance customer friction with fraud prevention. The role may require on-call availability or extended hours during fraud events. The role is offered with a hybrid work approach at U.S. hub offices; employees who do not live near a hub are part of the remote workforce. All employees are required to onboard in person at an office location. The hourly range in New York State is $43.50–$58.00, excluding discretionary bonus and equity. Compensation is determined based on factors including skillset, experience, job scope, and current market data.

Requirements

BA/BS in finance, economics, accounting, or a related field, or equivalent experience in the field.
3–5+ years of direct fraud investigative experience, including ACH and credit card fraud.
2–5+ years of direct scam and account integrity investigative experience.
Knowledge of device telemetry data, account integrity systems, and internet technologies such as VPNs.
Strong verbal and written communication skills.
Comfort making decisions in high-ambiguity environments.
A balance of empathy and skepticism, and the ability to acknowledge incorrect decisions.

Nice To Haves

Regional fraud knowledge, including the U.S. and Singapore.
Experience with IDV, KYC, and transaction monitoring systems.

Responsibilities

Investigate financial fraud and scams across multiple product lines.
Review complex datasets, including ACH, debit card, credit card, and wallet transactions, device telemetry, and blockchain data.
Contact customers to obtain additional information about account activity and make informed decisions.
Identify fraud trends and patterns, and suggest updates to rules, features, and policies.
Understand customer journeys to identify pain points caused by fraud controls and recommend changes to alleviate them.
Use experience and knowledge to recommend improvements to operational workflows.
Prepare reports on material investigations and general fraudulent activity, and present them to leadership at weekly meetings.