Stash is pioneering the future of personal finance with the first financial subscription that helps people create better lives. From budgeting to saving for retirement, Stash unites banking, investing, and advice all in one app that has helped more than 5M people reach their financial goals and make progress towards financial freedom.

As the Fraud Operations Leader, you are responsible for building and developing the teams necessary to better identify fraud on the platform and enable good customers to experience the platform with fewer restrictions.  Reporting to the VP of fraud, you will be responsible for managing a growing fraud team, the associated KPIs, supporting vendors, and partner relationships.  You will actively seek points of exposure to Stash along with opportunities to reduce false positives.  These points of exposure include money transfers (ACH, funding via debit), investment activity, user onboarding risks, check deposit, ATO, and others.

The role of the Fraud Team at Stash is to safely enable the mission across the improvements and innovations that empower the financial freedom of our customers.  You will bring a strong supervisory skill set, a data driven approach, and compassion for your team and our customers to help make this happen.

What You’ll Do

• Build and scale a world class fraud operations team of reviewers across internal and outsourced (BPO) team members
• Establish and track KPIs for fraud operations including the team, the ruleset decisions, and the supporting vendors
• Forecast staffing needs to align with the fraud roadmap
• Actively seek fraud trends through both team feedback and data analysis
• Define and establish policies and procedures for fraud review and customer service around fraud interactions
• Identify, propose, and justify rule adjustments
• Partner with Customer Experience, AML, Onboarding, Data Science, and Product on continuous improvement
• Work with external partner fraud teams supporting bank and invest platforms on trends, investigations, escalations, and policies and procedures
• Report on fraud team performance up to executive leadership on a regular cadence
• Maintain a daily understanding of queue sizes, loss trends, and other dashboards to adjust the team focus and/or rules accordingly
• Handle and provide guidance on escalations, engage legal and brokerage teams as needed

Who You Are

• You have strong supervisory skills and a passion for fraud (stopping it)
• Self motivated and very organized
• Curiosity to drive looking for any holes in Stash’s defenses, knowing there is always a new attack vector or fraud scheme right around the corner
• Mentor and feedback-giver with your team, working to develop them while holding them accountable
• Data driven with the ability to derive your own answers from the data lake
• Relationship builder that actively develops cross-org partnerships, fosters trust, and aligns stakeholders. 

What You Bring to the Table

• 5+ years in fraud with 3+ years directly managing fraud operations teams
• Experience in financial space, preferably in online banking with review of such activities as ACH, P2P money movement, MRDC, disputes, chargebacks, and KYC/CIP
• Self sufficient with data tools such as SQL, Looker, or Tableau
• Familiarity with fraud rules and adjusting such rules
• Ability to multitask and prioritize for both you and your team
• Strong communication

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We believe that diversity and inclusion are essential to living our values, promoting innovation, and building the best products out there. Our success is directly related to the employees that we hire, grow and retain and we believe that our team should reflect the diversity of the customers that we serve.  

As an Equal Opportunity Employer, Stash is committed to building an inclusive environment for people of all backgrounds. We do not discriminate on the basis of race, color, gender, sexual orientation, gender identity or expression, religion, disability, national origin, protected veteran status, age, or any other status protected by law. Everyone is encouraged to apply.

Benefits & Perks:

• Equity in Stash                           
• Flexible Vacation
• Flexible Remote 
• Family-Friendly Medical, Dental, and Vision Insurance Plans
• 401k
• Learning & Development & Ergonomic Work Space Stipends
• Commuter Benefits and Flexible Spending Account (FSA)
• Employee referral bonuses
• Team outings that do not involve trust falls...

Awards & Recognition:

• Forbes Fintech 50 (2019 & 2020)
• Best Digital Bank, Finovate Awards (2020)
• Tearsheet Challenge Awards, Best Banking Card Product - Stock-Back® Card, 2020
• LendIt Fintech Innovator of the Year (2019 & 2020)
• Built in NYC's Best Places to work (2019)
• MarCom Awards Double Gold & Platinum Winner (2018)
• Webby Award Winner for Best Mobile Sites & Apps in the Financial Services and Banking category (2017)
• W3 Awards Winner for Best User Experience (2017)