Senior Associate, Fraud Operations

Gemini•Miami, NY

6d•Hybrid

About The Position

As a Senior Fraud Operations Associate in Gemini’s Fraud domain within Risk Engineering, you will help 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 Gemini’s fraud models and rules in collaboration with product, engineering, and data science teams, and improve operational processes to balance customer friction with fraud prevention. The role may require on-call availability or extended hours during fraud events. Gemini uses a hybrid work approach at its U.S. hub offices; employees who do not live near a hub are part of the remote workforce. All employees must onboard in person at an office location.

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 in 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 data sets, including ACH, debit card, credit card, and wallet transactions, device telemetry, and blockchain data.
Contact customers to obtain additional information about activity on their accounts and make properly informed decisions.
Identify trends and patterns in fraud activity 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.
Suggest improvements to operational flows based on experience and knowledge.
Prepare reports on material investigations and general fraudulent activity, and present them to leadership at weekly meetings.