Senior Fraud Investigations Analyst
About The Position
ID.me is seeking an execution-focused individual contributor to lead investigations into account takeover (ATO) activity, identify fraud patterns at scale, and strengthen fraud detection strategies. The role goes beyond case-by-case investigations to include trend analysis, signal development, and data-driven decision-making. The analyst will independently work with large datasets, uncover coordinated fraud campaigns, and drive improvements to detection systems. This role is based in ID.me’s McLean, Virginia office and requires full-time, in-office attendance. The analyst will collaborate with engineering, data, and product teams to improve fraud detection capabilities and signal quality, and will use AI/LLM tools to improve investigation speed and accuracy while validating results against source data.
Requirements
- Bachelor’s degree from an accredited institution; quantitative fields such as Economics, Computer Science, Statistics, or Mathematics are strongly preferred.
- At least 4 years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, focused on account takeover (ATO) attacks. The posting indicates typical total experience of 4–8 years and candidates should have fewer than 10 years overall.
- At least 2 years of experience using SQL, Python, or similar tools to analyze data and drive investigations.
- At least 2 years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies.
- At least 2 years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data.
- Demonstrated experience analyzing fraud trends beyond individual case investigations, such as pattern detection or ring analysis.
- Experience using AI/LLM tools to enhance data analysis and investigations, with the ability to validate and effectively apply outputs.
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 conduct high-quality investigations.
- Own investigations independently from detection through resolution, providing 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.
- Use AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data.
Benefits
- Comprehensive medical insurance.
- Dental insurance.
- Vision insurance.
- Health savings account.
- Flexible spending accounts for medical, limited-purpose, and dependent-care expenses.
- Commuter benefit accounts.
- Basic and voluntary life and AD&D insurance.
- 401(k) with company match.
- Parental leave.
- Unlimited paid time off, subject to the PTO policy.
- Eight company-wide holidays.
- Short- and long-term disability insurance.
- Accident and critical illness insurance.
- Referral bonus policy.
- Employee assistance program.
- Pet insurance.
- Travel assistant program.
- Wellbeing and childcare discounts.
- Benefit advocates.
- Learning and development benefit.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
