Build credit into your product experience. Run it end to end with modular APIs, pre-built components, analytics, and full-service infrastructure. Backed by Pear VC.
About the role
We're looking for a Fraud Strategy Manager or Senior Manager – Onboarding to own the end-to-end fraud strategy for how we evaluate new applicants. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines which applicants are approved, stepped up for review, or declined, and making sure the tools, data, and processes behind those decisions are best-in-class.
What they're looking for
- 5–10 years of experience in fraud strategy, identity risk, or credit risk at a financial institution, fintech, or payments company
- Deep expertise in onboarding fraud — synthetic identities, identity manipulation, first-party fraud vectors, and deposit/funding fraud
- Hands-on experience with bank data providers in a fraud or credit risk context
- Familiarity with device intelligence and behavioral fraud platforms
- Strong SQL skills and experience using data to build and evaluate fraud rules, track performance, and identify emerging patterns
- Excellent communication skills — you can translate complex fraud tradeoffs into clear recommendations for executives, partners, and compliance teams
More about this role
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
We're looking for a Fraud Strategy Manager or Senior Manager – Onboarding to own the end-to-end fraud strategy for how we evaluate new applicants. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines which applicants are approved, stepped up for review, or declined, and making sure the tools, data, and processes behind those decisions are best-in-class.
Reporting to our Chief Risk Officer, you'll work at the intersection of data, tooling, and operations to sharpen our...
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