Senior Fraud Analyst

Bilt • New York, NY

2h

About The Position

We're looking for a Senior Fraud Analyst to join our Identity & Fraud Strategy team. This role sits at the center of Bilt's fraud program — spanning identity/KYC and account integrity, checkout and payment flows, account takeover (ATO), and loyalty/rewards abuse.

This is a high-ownership, individual contributor role. You'll move fluidly between investigations and building prevention systems: deploying detection logic, improving workflows, and hardening product experiences against new fraud patterns. You'll partner closely with Product, Engineering, Customer Experience, Compliance, and our banking/payment partners to respond quickly to emerging threats.

This isn't primarily a queue-processing role. We need someone who can spot a new attack pattern and have mitigations live quickly — whether that's rules, threshold changes, risk-based step-up, workflow updates, or partner escalation.

Requirements

• 3 – 5+ years in fraud prevention, risk strategy, or fraud analytics — ideally in fintech, payments, banking, or e-commerce
• Demonstrated experience in either (or ideally both): identity/KYC + account integrity risk, and/or checkout / e-commerce-style payment fraud (behavioral + transaction patterns, velocity, abuse tactics)
• Analytical mindset: you can pull the data you need (or work with partners to get it), use AI tools to accelerate analysis and investigation, and pressure-test results; basic SQL familiarity preferred
• Proven track record shipping production mitigations (rules/decisioning/workflows), not just investigating
• Clear communicator who can translate fraud risk into language that resonates with product, compliance, CX, and external partners
• High ownership: you find what's wrong, prioritize the work, and drive it to resolution

Responsibilities

• Investigate identity risk signals across onboarding and account lifecycle (synthetic identity, compromised credentials, risky device/email/phone patterns) and build detection logic and monitoring to catch bad actors early
• Improve KYC/fraud decisioning and verification workflows, balancing fraud prevention with approval rate and member experience
• Partner with Compliance on identity-related controls, escalation paths, and documentation standards
• Monitor and investigate fraud patterns across checkout/payment surfaces — first-party fraud, promo abuse, anomalous purchase behavior
• Ship detection rules, velocity controls, and step-up triggers that reduce loss without adding member friction
• Develop and continuously optimize 3DS policies and routing to improve fraud outcomes without degrading conversion, in partnership with payment processors and issuer stakeholders
• Investigate ATO cases end-to-end to identify compromise vectors and repeatable patterns
• Harden authentication and account recovery flows using risk-based decisioning (step-up, device trust, velocity/behavioral flags)
• Define and iterate on detection logic and response playbooks covering containment, member communications, and monitoring
• Work hands-on with our fraud stack to build and tune rules, signals, decisioning logic, and case workflows
• Help evaluate new vendors and tooling as the program scales
• Serve as fraud SME in product and engineering discussions and maintain operating rhythms with CX, Compliance, and partners for escalations and post-mortems

Benefits

• Compensation - We offer a competitive salary with a meaningful stake in the company via equity and our performance bonus program.
• Medical Insurance (for you and your loved one) - We offer a variety of different subsidized medical plans (with dental and vision), including a free HDHP with a company-sponsored HSA contribution. We have you covered from Day 1.
• Wellness Benefits - Enjoy a One Medical Membership, Wellhub (Gympass) Access, family planning programs and more, on us.
• 401k plan with a match - Retirement may feel more like a pipe dream than a reality but we’re here to help you get there.
• Commuter FSAs - We believe the best ideas come from being together in one place. We just don’t think getting there should be so expensive.
• UNLIMITED PTO - Because we believe that working hard shouldn’t mean always working. Take time for yourself as often as you need it.
• Exclusive Employee only Bilt Points - We give our employees unique opportunities to earn points throughout their time at Bilt.
• Team Events - We believe in human connection so we hold events to help our employees break from the monotony of the typical work week.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed