Senior Fraud Investigations Analyst

Company Overview

ID.me is the next-generation digital identity wallet that simplifies how individuals securely prove their identity online. Consumers can verify their identity with ID.me once and seamlessly login across websites without having to create a new login and verify their identity again. Over 140 million users experience streamlined login and identity verification with ID.me at 20 federal agencies, 44 state government agencies, and 66 healthcare organizations. More than 600 consumer brands use ID.me to verify communities and user segments to honor service and build more authentic relationships. ID.me’s technology meets the federal standards for consumer authentication set by the Commerce Department and is approved as a NIST 800-63-3 IAL2 / AAL2 credential service provider by the Kantara Initiative. ID.me is committed to “No Identity Left Behind” to enable all people to have a secure digital identity. To learn more, visit https://network.id.me/.

Senior Fraud Investigations Analyst

Role Overview
The Senior Fraud Investigations Analyst is crucial in proactively identifying and mitigating fraud threats across ID.me’s member network. This position focuses on high-complexity fraud cases, including account takeover (ATO), stolen identities, and synthetic identities. This role requires competency in SQL for data-driven fraud detection and analysis. The Senior Fraud Investigations Analyst will work cross-functionally with Product, Engineering, Legal, and Security teams to drive fraud-prevention initiatives, enhance fraud detection systems, and influence fraud mitigation strategies.

This is an onsite position in one of our hub locations (McLean VA or Tampa FL)

Responsibilities

• Lead investigations into complex fraud schemes, with a focus on account takeover (ATO), synthetic identity fraud, fraudulent documents, Generative AI risks, and large-scale fraud rings.
• Utilize SQL to query, analyze, and extract insights from large datasets to detect fraudulent patterns and trends.
• Identify systemic fraud risks and work with Engineering and Product teams to enhance fraud prevention mechanisms.
• Act as a subject matter expert (SME) on fraud tactics, techniques, and procedures (TTPs), including credential stuffing, social engineering, and compromised documentation fraud.
• Communicate key trends and investigations to ID.me customers to help them identify and mitigate threat vectors
• Monitor fraudulent transaction activity and behavioral anomalies, identifying emerging fraud trends and recommending mitigation strategies.
• Collaborate with Threat Intelligence, Data Science, and Security teams to enhance ID.me’s fraud defense capabilities.
• Lead fraud escalations, providing actionable recommendations for risk mitigation.
• Present findings and trends to senior leadership and stakeholders in a clear, data-driven manner.

Qualifications

• 7+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a strong emphasis on account takeover (ATO).
• Proficiency in SQL (mandatory) 
• Strong understanding of fraud tactics, techniques, and procedures (TTPs), including credential stuffing, social engineering, and malware-driven ATO attacks.
• Experience using fraud detection tools, machine learning models, and risk-scoring methodologies.
• Knowledge of malware analysis, risk analysis, and transaction monitoring.
• Strong analytical and problem-solving skills with a deep understanding of fraud indicators and signals.
• Ability to communicate technical fraud data to stakeholders of varying technical expertise.
• Excellent time management and prioritization skills, able to handle multiple complex investigations simultaneously.
• Bachelor's degree in Computer Science, Cybersecurity, Data Science, Criminal Justice, or a related field (preferred).

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The annual base salary listed does not include a company bonus, incentive for sales roles, equity and benefits which will be determined based on experience, skills, education, relevant training, geographic location and role. 

ID.me offers comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts), basic and voluntary life and AD&D insurance, 401(k) with company match, parental leave, ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays, short and long-term disability insurance, accident and critical illness insurance