Lead Manager, Fraud Risk Strategy
2 weeks ago
Rippling provides organizations with a unified platform to manage HR, IT, and Finance. It consolidates various workforce systems that are typically dispersed throughout a company, such as payroll, expenses, benefits, and technology assets. For the first time, you can oversee and automate every aspect of the employee lifecycle within a single system.
Consider the onboarding process. With Rippling, you can recruit a new employee from anywhere globally and set up their payroll, corporate card, computer, benefits, and even integrate third-party applications like Slack and Microsoft 365—all in just 90 seconds.
Located in San Francisco, CA, Rippling has secured $1.2B from leading investors, including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock, and has been recognized as one of America's top startup employers by Forbes.
About the Role
As the Lead Manager of Fraud Risk Strategy at Rippling, you will be instrumental in protecting our clients' financial integrity by identifying and mitigating fraud risks across our financial product offerings. Your responsibilities will include developing and refining fraud risk strategies to enhance onboarding fraud detection, transaction fraud monitoring, and account takeover prevention. You will collaborate closely with teams in data science, security, compliance, and relevant product areas.
Key Responsibilities
- Design and implement fraud transaction monitoring rules at the product level for Payroll, Bill Pay, and Card Transactions to identify and reduce fraudulent and suspicious activities. Continuously refine rules to address high-risk fund flows and ensure rapid policy adjustments through feedback mechanisms.
- Create cross-product fraud monitoring rule flows for Bill Pay, Card, Payroll, and Travel transactions. Assess and evaluate third-party risk vendors to bolster transaction-level risk decision-making capabilities.
- Enhance Account Takeover (ATO) policies and controls to avert unauthorized account access. Collaborate with the Security engineering team to develop ATO tracking, analyze customer events, establish detection rules, and formulate key performance metrics.
- Evaluate the trade-off between fraud detection, customer experience, and operational efficiency. Conduct thorough cost-benefit analyses to identify optimal strategies that bolster fraud prevention while ensuring a positive customer experience and streamlined operations.
- Detect suspicious activities and patterns, conducting detailed investigations as necessary. Utilize advanced analytical techniques to inform risk decisions, leveraging data to drive strategies and improvements in fraud prevention.
- Encourage a collaborative atmosphere among the Fraud, Security, Sales, Customer Service, and Compliance teams to enhance transaction monitoring efficiency and effectiveness.
- Regularly assess and analyze fraud risks associated with financial product transactions, implementing measures to mitigate those risks.
- Partner with Research & Development to design, build, and maintain tools for fraud detection and investigation.
- 8+ years of experience in fraud prevention and detection, ideally within the financial technology sector, with a strong emphasis on payments, lending, and SaaS industries.
- Bachelor's degree in a relevant field (e.g., Mathematics, Statistics, Operations Research); a Master's degree is preferred.
- Demonstrated excellence in data literacy and analytical integrity, with the ability to apply advanced analytical methodologies for fraud detection and prevention.
- In-depth understanding of payment risks and fund flows, particularly concerning ACH and bank transfer fraud, account takeovers, and card transaction fraud.
- Familiarity with leading third-party risk vendors and their capabilities. Strong knowledge of industry regulations and compliance requirements related to fraud prevention.
- Strong communication and presentation skills, capable of conveying complex data and risk insights to various stakeholders.
Rippling is an equal opportunity employer. We are dedicated to fostering a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical or mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics. Rippling is committed to providing reasonable accommodations for candidates with disabilities who require assistance during the hiring process.
Rippling highly values in-office collaboration to cultivate a strong company culture. For employees based within a 40-mile radius of a Rippling office, working in the office at least three days a week is considered an essential function of the role.
This position offers a competitive salary, benefits, and equity. Various factors are considered when determining compensation, including a candidate's professional background, experience, and location. Final offer amounts may differ from the ranges listed.
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