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We are looking for a Senior Fraud Analyst to support transaction monitoring and authorization risk strategy for a card portfolio in San Francisco, California. This Long-term Contract opportunity is suited for an experienced, detail-oriented individual who can lead fraud decisioning, strengthen detection logic, and improve approval outcomes while controlling loss exposure. The role calls for strong issuer-side expertise, sound judgment in real-time environments, and the ability to work effectively across teams in a fast-moving setting.
Job Responsibility:
Oversee day-to-day fraud review activity for card transactions, making informed real-time decisions on whether to clear or block suspicious authorizations
Develop and refine fraud controls by adjusting rule logic tied to transaction velocity, spending behavior, and merchant-related risk signals
Examine transaction patterns and fraud data to uncover new threats and recommend targeted monitoring strategies
Optimize the balance between fraud prevention and customer experience by reducing unnecessary declines while protecting against losses
Work closely with product, risk, and operations partners to improve authorization performance and strengthen fraud response processes
Use fraud platforms and decisioning tools to maintain effective monitoring workflows and enhance rule performance
Apply knowledge of card authorization processes, decline responses, and interchange considerations to strengthen fraud strategies
Contribute analytical insight in a dynamic environment where priorities may shift quickly and practical solutions are needed
Requirements:
Significant experience handling issuer-side transaction monitoring and authorization fraud analysis
Proven ability to create, adjust, and improve fraud rules based on performance trends and risk indicators
Strong analytical capability with experience turning transaction data into practical fraud mitigation actions
Working knowledge of card network authorization lifecycles, decline codes, and interchange fundamentals
Hands-on familiarity with fraud systems such as Falcon, Forter, Sardine, Sift, or comparable platforms
Prior experience within an issuing bank, sponsor organization, or card program management environment
Backgrounds focused only on merchant acquiring or payment processing are not sufficient for this role
Ability to succeed in a startup-style environment that requires ownership, adaptability, and cross-functional collaboration