Identity Fraud Insights Lead

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

Leading a core function in our specialized Behavioral Insights Team (BIT), you will lead a team to gather, assess, explore and scrutinize patterns, data and signals to identify and mitigate high-risk / fraudulent activity across our platform. We need an experienced leader to support and drive our investigations and analytics effort that is the core of BIT. The team is responsible for the most complex processes, pattern recognition and analytical work in the Health (Risk/Fraud) organization.

As the BIT Identity and Families Lead, you will leverage your deep fraud and risk understanding skills to drive efficiency and effectiveness.  You will partner every day with the BIT (Risk/Fraud) Analysts and Data Science teams to build better Machine Learning (ML) models and protect customers and the Cash platform, brand and reputation. You will also partner with many organizations across the business, like Product, Engineering, Finance, Compliance and Operations to understand potential areas of abuse or fraudulent behaviors and investigate them.  In this role, you will drive innovation and influence Cash App’s global risk roadmap, programs, and processes. Simultaneously, you will lead, coach, mentor and develop team members to define and achieve high performance bars individually and collectively, and foster their professional development and enable them to contribute more and more to our business. 

The ideal candidate possesses exceptional deep analytical and investigative skills, a proven mastery of broad effective communication with cross-functional partners and strong problem-solving capabilities. This role requires a bias toward taking action in a fast-paced environment and deep experience with risk and fraud vectors with a specific focus across banking functions, including customer onboarding processes, Know Your Customer (KYC), account access and login controls, and other key financial services functions. Our ideal candidate also understands the role of ML models and their continued validation and improvement in managing risk at scale and has worked with Data Science teams in the past. Prior experience managing a team of high performing individuals in a fast-paced environment is required. 

Essential Functions & Responsibilities

• Using deep analytical talent, identify areas of opportunity within the ecosystem to apply financial management and fraud prevention best practices
• Build the investigations framework to support frequent model iteration and validation efforts and communicate feedback to cross-functional business partners
• Diagnose problems, recognize known and emerging fraud and abuse patterns and develop compelling, data-driven recommendations and monitor results 
• Deep dive into and resolve fraud issues that require a high level of attention to detail that include financial costs and articulation of trade-offs and false positive risks 
• Showcase strong time-management skills to maintain or exceed expected daily workloads, lead the team by example.
• Provide ongoing improvements to investigation approaches and development of fraud detection systems to identify emerging inauthentic activity trends and provide recommendations to assist in loss mitigation
• Collaborate on and escalate complex cases and new trends within the team, backed by industry knowledge of common financial services fraud vectors and risk controls 
• Identify, document, and follow-up with team members on product bugs and feature enhancements 
• Be a voice of the customer by identifying trends, issues, and suggesting improvements to processes, policies, and products including recommending tooling and data improvements to increase investigations efficacy 
• Foster a culture of accountability, collaboration, speed, innovation, excellence, and a fun work