Senior Fraud Investigations Analyst

ID.me•McLean, VA

1d•Onsite

About The Position

ID.me is looking for a Senior Fraud Investigations Analyst to join our organization as an execution-focused individual contributor. This role is responsible for leading investigations into account takeover (ATO) activity, identifying fraud patterns at scale, and strengthening detection strategies. We are seeking a highly skilled analyst who can independently analyze large datasets, uncover coordinated fraud campaigns, and drive improvements in detection systems. This role requires moving beyond case-by-case investigation into trend analysis, signal development, and data-driven decision making. This role is based out of our McLean, VA office and requires full-time in-office attendance.

Requirements

Bachelor’s degree from an accredited institution; strong preference for quantitative fields such as Economics, Computer Science, Statistics, Mathematics, or similar
4+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks (typically 4–8 years total experience; candidates should have <10 years overall)
2+ years of experience using SQL, Python, or similar tools to analyze data and drive investigations
2+ years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies
2+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
Demonstrated experience analyzing fraud trends beyond individual case investigations (e.g., pattern detection, ring analysis)
Experience using AI/LLM tools to enhance data analysis and investigations, with demonstrated ability to validate and apply outputs effectively

Nice To Haves

Experience at a fintech company, technology company, or reputable financial institution
Strong experience analyzing organized fraud rings or large-scale ATO campaigns
Experience influencing fraud detection logic, models, or rule systems
Familiarity with AI/ML techniques applied to fraud detection and risk analysis
Ability to translate analytical findings into actionable improvements for product, engineering, or risk systems

Responsibilities

Lead complex account takeover (ATO) investigations, including multi-account and organized fraud activity
Analyze large datasets using SQL, Python, or similar tools to identify trends, anomalies, and attack patterns
Use fraud detection tools, machine learning outputs, and risk-scoring systems to drive high-quality investigations
Independently own investigations from detection through resolution, including clear documentation and recommendations
Identify gaps in detection logic and contribute to improvements in rules, models, and workflows
Partner with engineering, data, and product teams to enhance fraud detection capabilities and signal quality
Act as an escalation point for high-severity or ambiguous fraud cases
Develop and refine investigation playbooks and analytical approaches for ATO detection
Support reporting and analysis of fraud trends, detection performance, and operational metrics
Leverage AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data