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Senior Fraud Analyst

United States, San Francisco · Job Posted May 16, 2026
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Job Description

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

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