Behavioral Insights Fraud Analyst

Company Description

It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.

Check out our locations, benefits, and more at cash.app/careers.

Job Description

Cash App is seeking a Behavioral Insights Fraud Analyst to join our dynamic Behavioral Insights Team. A Behavioral Insights Fraud Analyst leverages natural analytical and problem-solving skills to analyze large structured and unstructured data sets to identify trends, anomalies, and inauthentic behaviors across Cash App accounts and products. This position relies on decisions made independently, with high precision and attention to detail.

This position will often collaborate with teammates, as well as work with many organizations within the business, such as Data Science, Machine Learning Modeling, Engineering, Product, Business Operations, Risk Operations, Compliance, and more. You will help drive innovation and influence Cash App’s fraud roadmap, programs, and processes.

The ideal candidate possesses exceptional analytical and communication skills. They must also enjoy ambiguous problem-solving and have strong self-motivation skills. This role requires a bias toward taking action in a fast-paced and dynamic environment.

You Will 

• Become an expert on customer behaviors and authentic and inauthentic activity within Cash App’s ecosystem
• Master a domain of risk-adjacent behaviors including chargebacks, account takeovers, banking, and identity, and how each domain affects Cash App 
• Learn to investigate and analyze complex data sets to resolve business challenges, identify opportunities for improvement, and provide insights and solutions
• Leverage industry experience and expertise to analyze existing risks within product offerings that require a high level of attention to detail 
• Partner with internal business teams to identify and confirm emerging fraud trends and potential customer impact due to risk controls, both ahead of product launches and in an ongoing capacity
• Respond promptly to internal business partners and exercise exceptional communication skills to optimize each contact
• Must be able to take initiative, plan, organize and prioritize projects with overlapping deadlines competently; work independently and help others; must be highly motivated and detail-oriented
• Foster a culture of professionalism, accountability, collaboration, speed, innovation, excellence, and a fun work environment while continuously elevating the quality and caliber of our risk controls
• As an individual contributor, this role makes recommendations to improve existing fraud detection practices and minimize fraud related revenue losses to the company
• With limited direction from a manager, work independently to monitor & research customer payment records, utilizing various tools and work queues to investigate and validate transactions
• Make recommendations to streamline or enhance existing policies/procedures, stay ahead of continuously evolving fraud practices, and further protect guest data
• Adept at navigating through various scenarios and being solution-oriented during conflict resolution
• Ability to thrive in a team environment, working closely with peers to analyze fraud trends, explore innovative ways to reduce risk, and make recommendations on rules adjustment with fraud tools
• Other duties as assigned

Qualifications

• 3+ years experience in risk and/or fraud detection in financial services or technology
• Exceptional writing, communication, and editing skills
• Experience in ATO and KYC
• Technical or procedural writing experience is a plus
• Experience working with teams across countries and time zones
• Ability to synthesize information and make clear, concise recommendations
• Capable of working both independently and in collaborative group settings
• Excellent analytical and problem-solving skills
• Demonstrated workin