Senior Fraud and Abuse Operations Analyst

Plaid•San Francisco, CA

1d•$156,000 - $213,600

About The Position

We are the first line of defense against fraud and abuse on the Plaid platform. Our mission is to ensure the safety and integrity of our platform for consumers and customers. As a Senior Fraud and Abuse Operations Analyst, you will be responsible for responding to fraud and abuse events, investigating claims, and triaging incidents. We also partner with product and engineering teams to inform and improve fraud mitigation strategies.

Requirements

5+ years of experience in fraud/abuse operations, trust & safety, and/or incident response
Experience triaging fraud or related incidents, with tight containment deadlines.
Experience managing escalations and making informed trade-off decisions with multiple stakeholders.
Ability to coordinate and communicate effectively with internal Legal, Compliance, Comms and other risk management teams during incident triage.
A battle-tested mental model for balancing fraud mitigation vs. conversion, and the ability to calibrate and apply this mental model in the context of Plaid’s business objectives under pressure.
Deep knowledge about fraud typologies–account takeover, different types of payments fraud, ACH fraud, chargebacks, kiting, rewards harvesting, etc.
Deep context about the tactics, techniques, and procedures (TTPs) used by bad actors to commit different types of fraud on the web.
Deep context about common mitigation strategies for the same, and informed opinions about their relative pros and cons.
Dark and grey-web navigation and investigation experience, ability to assess source credibility, and translate external intelligence into actionable insights.
Experience translating fraud investigations and research into actionable detection signals, rules, and labeled datasets, while partnering closely with DS/ML and product teams to improve feature sets, labeling quality, evaluation frameworks, and model decay monitoring.
Experience developing and maintaining threat models for authentication and other high-risk product surfaces, with a track record of proactively identifying emerging risks.
Strong data analysis skills using common analysis and manipulation tools.
Strong SQL skills for querying data sets and quickly building reports.
Ability to identify anomalies and fraudulent patterns in logs and other data sets (transactions data, request data, etc.).
Experience maturing an operational control that is resilient.
Exceptional written and verbal communication skills.

Nice To Haves

Familiarity with machine learning models for fraud detection.
Fraud domain certifications (e.g., CFE/fraud examination background).
Exposure to production ML model lifecycles and metrics for drift/decay.
Effective use of AI and AI agents to accelerate investigations and research

Responsibilities

Support the abuse on-call rotation, directly protecting our users and customers by swiftly and effectively responding to and resolving fraud and abuse events.
Conduct thorough investigations into fraud and abuse claims from diverse sources.
Proactively perform threat modeling of abuse surfaces and continuously survey external fraud trends, adversary techniques, tooling, and emerging threat vectors.
Triage and manage high-priority fraud and abuse events as internal incidents (SEVs), collaborating across teams to drive resolution.
Act as the key operational partner to Consumer Risk and other product teams, providing vital insights and expertise.