Senior Manager, Fraud Operations

Affirm is reinventing credit to make it more honest and friendly, giving consumers the flexibility to buy now and pay later without any hidden fees or compounding interest.

One of our most important responsibilities is to protect consumers, our partners, and our company from unacceptable levels of risk associated with fraud, credit practices, and other financial crimes.

As the Senior Manager of Fraud Operations, you will be responsible for developing, leading and executing a strategic vision for the program and team.

The scope of this role includes all relevant Operational activities in partnership with Compliance, Credit, Fraud Strategy, and Merchant Risk counterparts, including fraud investigations and recoveries, customer support in addressing fraud related concerns such as identity theft and disputes.

These activities are conducted primarily in the U.S., Canada, and soon other geographies around the world. The Fraud Operations team currently comprises internal Affirmers across the US and Canada, as well as agents at our BPO partner locations worldwide.

Find out exactly what skills, experience, and qualifications you will need to succeed in this role before applying below.

What You’ll Do

• Lead, influence, and own strategy, outcomes, and execution for the Fraud Operations team
• Ensure that the team is consistently meeting service level commitments while maintaining high quality levels through a culture of proactive monitoring and continuous process improvement
• Provide ongoing reporting, visibility, and accountability around team performance measures, including insights into any changes in performance, action plans to get us back on track, and investments required in order to meet our goals.
• Establish and reinforce an analytical and data driven culture both within the team and across the company in partnership with Risk, Product, Analytics, Engineering and the broader business
• Drive employee engagement and a high-performance culture within the team, ensuring effective performance management, coaching, and development of the team and creating an environment where people can excel through accountability, encouragement, and empowerment.
• Continue to leverage and grow an effective vendor network strategy that enables outsourcing of high volume work in a manner that enables scale and proper risk management.
• Provide thought leadership and support for the development of new products, entries into new markets, and expansion of consumer services in the context of Fraud Operations capabilities, requirements, and other considerations.
• Ensure strong communication and transparency to all impacted stakeholders around the status of roadmaps, performance, key issues, and emerging risks.
• Assess and ensure effective policy governance and process documentation over activities owned within Fraud Operations and report.
• Provide reporting to relevant committees and forums to enable a solid understanding of key risks and performance outcomes in relation to protecting our consumers from fraud.

What We Look For

• 8+ years experience in a management or leadership position working in financial services, fintech, payments or a related space within a fraud operations organization
• Previous experience in fraud investigations with a background in operations
• Experience scaling and building operational teams, including people, processes, program, and tooling.
• A strong leader, influencer, motivator, and decision-maker with demonstrated ability to work effectively with people at all levels and across both internal and outsourced teams
• Self-starter with strong sense of urgency and accountability and has excellent focus on attention to detail with the capability to work and make decisions in a fast paced environment
• Results driven, forward thinking mindset with ability to problem-solve complex issues to drive shared goals and outcomes across internal and external teams
• Able to develop and effectively articulate a vision & strategy as well as communicate strategic direction
• Ability to analyze qualitative and quantitative data to formulate actionable insights and compile information in a structured, logical manner.

Base Pay Grade - M

Equity Grade - 5

Employees new to Affirm typically come in at the start of the pay range. Affirm focuses on providing a simple and transparent pay structure which is based on a variety of factors, including location, experience and job-related skills.

Base pay is part of a total compensation package that may include monthly stipends for health, wellness and tech spending, and benefits (including 100% subsidized medical coverage, dental and vision for you and your dependents).

In addition, the employees may be eligible for equity rewards offered by Affirm Holdings, Inc. (parent company).

CAN base pay range per year : $142,000 - $192,000

Remote Work

Affirm is proud to be a remote-first company! The majority of our roles are remote and you can work almost anywhere within the country of employment.

Affirmers in proximal roles have the flexibility to work remotely, but will occasionally be required to work out of their assigned Affirm office.

A limited number of roles remain office-based due to the nature of their job responsibilities.

Benefits

We’re extremely proud to offer competitive benefits that are anchored to our core value of people come first. Some key highlights of our benefits package include :

• Health care coverage - Affirm covers all premiums for all levels of coverage for you and your dependents
• Flexible Spending Wallets - generous stipends for spending on Technology, Food, various Lifestyle needs, and family forming expenses
• Time off - competitive vacation and holiday schedules allowing you to take time off to rest and recharge
• ESPP - An employee stock purchase plan enabling you to buy shares of Affirm at a discount.

We believe It’s On Us to provide an inclusive interview experience for all, including people with disabilities. We are happy to provide reasonable accommodations to candidates in need of individualized support during the hiring process.

For U.S. positions that could be performed in Los Angeles or San Francisco Pursuant to the San Francisco Fair Chance Ordinance and Los Angeles Fair Chance Initiative for Hiring Ordinance, Affirm will consider for employment qualified applicants with arrest and conviction records.

By clicking "Submit Application," you acknowledge that you have read the Affirm Employment Privacy Policy for applicants within the United States, the EU Employee Notice Regarding Use of Personal Data (Poland) for applicants applying from Poland, the EU Employee Notice Regarding Use of Personal Data (Spain) for applicants applying from Spain, or the Affirm U.

K. Limited Employee Notice Regarding Use of Personal Data for applicants applying from the United Kingdom, and hereby freely and unambiguously give informed consent to the collection, processing, use, and storage of your personal information as described therein.

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