Senior Manager Fraud Strategy and Analytics US

TeamThe Risk Operations team safeguards Raisin’s U.S. business by monitoring, detecting, and mitigating risks across the customer lifecycle. We manage fraud prevention, investigations, payments risk, and AML/KYC oversight. It partners closely with Product, Engineering, Compliance, and Customer Service to ensure safe and frictionless customer experiences.As a multi-bank deposit marketplace targeting rapid growth, Raisin faces complex, evolving fraud challenges across onboarding, identity verification, bank linking, and money movement. Risk Operations is at the center of designing the strategies, controls, and analytical foundations that protect the platform at scale.Your ResponsibilitiesRole seniority- This role directly reports to the Head of Risk Operations and is a senior expert role at Raisin US. As Fraud Strategy & Analytics Senior Manager, you will build and scale Raisin U.S.’s fraud detection capabilities. You will combine strategic thinking, advanced analytics, and hands-on data science to enhance our fraud posture while optimizing customer experience.You will work cross-functionally to develop models, design detection rules, analyze fraud telemetry, and inform decisions across the business. This role is foundational in building Raisin’s next-generation fraud modeling and analytics framework, without compromising on customer experience.Fraud Modeling & Advanced AnalyticsOwn the roadmap for fraud models across the customer lifecycle.Design, implement, and deploy machine learning models (supervised and unsupervised) for anomaly detection, identity risk, behavioral analytics, and transaction monitoring.Build features from device, behavioral, graph, identity, ACH/payment telemetry, and network data.Partner with Engineering and Data to ensure high-quality data pipelines for real-time model scoring.Translate model outputs into practical decision strategies (rules, thresholds, step-up flows).Evaluate and pilot next-generation fraud technologies (e.g., behavioral biometrics, graph networks).Fraud Strategy & OperationsOwn and execute Raisin’s U.S. fraud strategy across onboarding, account linking, and payment flows.Design and refine fraud policies, rules, controls, and escalation processes.Lead fraud investigations end-to-end and translate findings into durable controls.Build fraud KPIs, dashboards, and performance reporting for leadership.Quantify fraud exposure, loss trends, and efficiency metrics to inform strategic decisions.Risk Analytics & ControlsAnalyze payment flows and ACH telemetry to identify systemic risks.Measure control effectiveness, false positives, and customer friction.Provide data-driven insights and recommendations to leadership.Financial Crime (in partnership with Compliance)Support AML/KYC strategy by integrating fraud insights into onboarding and monitoring workflows.Maintain customer risk profiling frameworks and enhance monitoring of high-risk customers.Work with Compliance and Partner Banks to escalate unusual activity in accordance with regulatory expectations.Your Profile8+ years in fraud risk management, fraud analytics, fraud data science, AML/financial crime, or payments risk (fintech, digital banking, payments a strong plus).Strong technical skills: Python, SQL, and experience with feature engineering, model development, and fraud analytics.Proven ability to design, deploy, and monitor machine learning models in production.Deep familiarity with U.S. fraud typologies: identity fraud, mule activity, ATO, synthetic IDs, ACH fraud, bank linking fraud, and payment abuse.Understanding of AML/KYC frameworks and how they intersect with fraud controls.Experience influencing decisions across Product, Engineering, Compliance, and Operations.Excellent communication skills with the ability to present insights to executive leadership.Strategic, analytical mindset with a focus on balancing fraud prevention, operations scalability, and customer experience.Leadership experience- formal or informal- and ability to scale influence across teams.Join our mission, join our team - and grow with usAt Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success. As part of our US team, you will benefit from:Flexible working hours and 28 vacation days, plus 13 public holidays per year.Employee Development Budget of $2,200 and 4 full training days per year.Access to Babbel for continuous learning.Company 401k contribution of 5%.Healthcare coverage contribution, including medical, dental and vision.Commuter benefits and flexible working from home policy.Regular team events and yearly Summer and Winter Party.Salary ranges from USD 150,000 to 175,000 annually. About usRaisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding.Raisin operates its own B2C marketplaces in Europe and the U.S. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countriesWe are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G.At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.In total, we have 8 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich, New York and Salt Lake City.We also think it’s important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers.We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.