Fraud Rules & Data Manager

Stash is a digital platform empowering everyday Americans to achieve the dream of greater financial freedom. Our products and tools make saving and investing accessible, affordable and simplified, in order to help our users build and grow generational wealth.

As the Fraud Rules and Data Manager, you must love digging into the details and have a passion for deriving data-driven insights. You will be responsible for creating and tuning Fraud rule sets using a combination of trend analysis and industry knowledge, determining relevant data attributes and application of those attributes to internal models and other tools. You will continue to enhance and iterate on rule sets to adapt to changing priorities and patterns, pulling in data from external tools to enhance our understanding of the customer.

This role requires being both proactive and reactive – understanding what we need to get ahead of while adapting to real-time issues. Though most of your time will be in the rules and the data, you will have opportunities to interface with other teams (Data Science, Product, Customer Experience, Compliance, etc.) to align with broader company initiatives. In order to be successful, this hire will be a detail-oriented person who has experience deriving insights from individual transaction sets and broader trends then creating structure from that insight. (This role reports to the Director of Fraud Strategy.)

What you’ll do:

• Build and adjust rule sets to optimize fraud detection while limiting negative impact to good customers
• Determine data attributes that will help inform dynamic rule set and modeling effectiveness
• Source, test, and validate external vendors to supplement internal tools and data
• Work with fraud associates to surface trends and develop subsequent rules to mitigate loss
• Liaise with Customer Service team to understand impact of fraud rules on user experience
• Work with Analytics and Data Engineering to ensure all available indicators are accessible by the rules engine(s) and data is consistent
• Analyze and find patterns in intra-Stash transaction volume
• Collaborate and closely work with banking and investing partners to align on data availability and significance

What we’re looking for:

• A passion for Fraud (and lifelong learning)
• Enthusiasm for getting in the weeds and chasing leads “down the rabbit hole”
• Minimum of 3+ years of Fraud experience, including direct experience identifying exposures or trends along with the adjustments to address them
• Minimum of 3+ years in banking, payments, consumer finance, or similar industries
• Payments, credit, banking, or credit card fraud detection experience
• Previous experience at a start-up or in a highly regulated industry
• Experience deriving rules from raw data, forming workflows, and adjusting fraud rules accordingly
• Experience reporting on rule effectiveness
• Experience working cross-functionally, particularly with Analytics teams
• Experience with third-party tools used for identity verification, device authentication and fraud detection
• Experience with querying in SQL, Looker, or other database tool
• Strong analytical and problem-solving skills
• Capacity to communicate efficiently and effectively with internal and external stakeholders
• Commitment to process improvement and operational excellence

Bonus points:

• Knowledge of ACH returns, chargebacks
• KYC/CIPs knowledge and experience

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)

**No recruiters, please.