Senior Fraud Specialist

Credit Karma•Charlotte, NC

About The Position

As a Senior Fraud Specialist on the Financial Forensic Investigations team, you’ll be the person we count on when activity looks “off” but the answer isn’t obvious. You’ll investigate complex anomalies, connect signals across cases to disrupt coordinated fraud, and help drive incident response when emerging threats spike. This role blends deep investigative judgment with strong technical analysis (SQL + spreadsheets) and cross-functional partnership to turn findings into durable mitigations. Some travel (~10% domestic) may be required during onboarding and team alignment. This role may also require extended hours and/or holiday coverage during peak fraud periods or active incidents.

Requirements

4–6+ years experience in fraud investigations, fraud analytics, risk operations, or financial forensic work (fintech, banking, payments, e-commerce, or financial services).
Intermediate SQL skills—able to write and modify queries independently to extract, join, and analyze data (not just run existing reports).
Advanced Excel/Google Sheets—comfortable building investigation trackers, models, and complex analysis with large datasets.
Demonstrated strength in critical thinking and navigating ambiguity, especially when SOPs don’t exist yet.
Strong written and verbal communication—able to synthesize complex findings into clear, action-oriented summaries.
Ability to manage multiple priorities and pivot quickly based on severity, exposure, and operational urgency.

Nice To Haves

Experience with fraud ring investigations, coordinated abuse, or large-scale fraud events.
Familiarity with incident management practices (triage, containment, mitigation, retrospective/RCA).
Comfort partnering with technical teams to translate operational problems into requirements and measurable outcomes.
Experience working in fast-paced environments where decisions must balance risk reduction and customer/member impact.
Bachelor’s degree in a relevant field (Finance, Accounting, Criminal Justice, Data/Analytics, or similar) or equivalent practical experience.

Responsibilities

Lead complex investigations that go beyond standard queue work—triaging high-risk anomalies, validating hypotheses, and documenting defensible outcomes.
Identify and disrupt organized fraud by connecting patterns across accounts, devices, behaviors, transactions, and related signals—building cases that drive action.
Support incident response by helping coordinate rapid triage, exposure quantification, mitigation recommendations, and post-incident root cause analysis (RCA).
Build and maintain repeatable analytics using SQL and advanced spreadsheets to accelerate investigations, track outcomes, and improve consistency of decisions.
Turn insights into action by translating investigative findings into clear recommendations that strengthen controls, close monitoring gaps, and reduce recurrence.
Communicate clearly under pressure—summarizing complex data into concise narratives for cross-functional stakeholders and leadership.
Partner cross-functionally with Product, Engineering, Data Science/Analytics, and Policy to operationalize mitigations and improve end-to-end fraud defense.