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Senior Fraud and Risk Analyst

Senior Fraud and Risk Analyst

KikoffSan Francisco, CA, US
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Sr. Fraud and Risk Analyst

As a Sr. Fraud Analyst and Risk at Kikoff, you will be a critical part of ensuring that Kikoff is identifying and mitigating fraud across all of our products and services. You will collaborate closely with Customer Support, Engineering, Data Science, and Management as you identify, investigate and mitigate new and existing fraud patterns. You will be monitoring the entire customer lifecycle from on-boarding to off-boarding in areas such as transaction monitoring, payment and money movement via ACH and Stripe, new account openings, account access patterns, and potential account takeovers. Your understanding of the Kikoff products and normal usage will be key in identifying suspicious behaviors. Balancing fraud prevention and customer service is key in ensuring we are providing effective controls to meet our Kikoff mission while ensuring regulatory compliance.

Job Responsibilities

  • Collaborate across functions and products to review and identify potential fraud cases and trends
  • Analyze data to define and monitor key fraud metrics
  • Recommend and implement strategies and best practices to mitigate fraud with a test and learn mindset
  • Partner with Operations to implement remediation procedures and adverse action approach
  • Have firm understanding of regulatory measures to develop creative solutions with minimal friction
  • Documenting daily reviews including case investigations, trends, and patterns.
  • Supporting daily payment fraud operations as a tier 3 resource and coach others how to better strengthen the fraud function
  • Working closely with partners to submit required incident reporting and remediate findings including but not limited to SARs and UARs
  • Support compliance functions when needed and annual audits and reviews

Job Qualifications

  • 5+ years of fraud experience, including 3+ years driving fraud / risk prevention, detection, and risk management strategies within banking, lending, or fintech.
  • Experience with rule engines, case management, KYC / CIP on-boarding, AML monitoring systems, and workflow design
  • Demonstrated success solving complex, ambiguous problems and implementing operational improvements.
  • Comfortable writing SQL queries to build periodic and ad hoc reports
  • Monitor and report key metrics on fraud trends, customer impact, and operational performance.
  • Self-starter with a bias towards action and ability to thrive in a fast-paced environment
  • Strong knowledge of payment fraud schemes, money laundering typologies, and suspicious activity monitoring
  • Comfortable working cross functionally across teams that have differing priorities
  • Strong organizational, analytical, interpersonal, oral, and written communication skills
  • Creative thinker and self starter with a passion for consumer FinTech and fraud detection.
  • Team player with a proactive attitude and willingness to contribute to the overall success of our customer's credit building journey and the success of Kikoff.

    • Kikoff : A FinTech Unicorn Powering Financial Progress with AI At Kikoff, our mission is to provide radically affordable financial tools to help consumers achieve financial security. We're a profitable, high growth FinTech unicorn serving millions of people, many of whom are building credit or navigating life paycheck to paycheck. With innovative technology and AI, we simplify credit building, reduce debt, and expand access to financial opportunities to those who need them the most. Founded in 2019, Kikoff is headquartered in San Francisco and backed by top-tier VC investors and NBA star Stephen Curry.

    Why Kikoff : This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.

    US salary range for this full-time position consists of base + equity + benefits

    Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!

    Visa sponsorship available : Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.

    Equal Employment Opportunity Statement :

    Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

    If you need reasonable accommodation for a job opening please connect with us at talent@kikoff.com and describe the specific accommodation requested for a disability-related limitation. Reasonable accommodations are modifications or adjustments to the application or hiring process that would enable you to fully participate in that process.

    San Francisco Fair Chance Ordinance : Pursuant to the San Francisco Fair Chance Ordinance, Kikoff will consider for employment qualified applicants with arrest and conviction records.

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    Senior Risk Analyst • San Francisco, CA, US