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 Head of Fraud Operations to build and lead the operational core of our fraud function. This is a player-coach role: you'll lead a team of fraud analysts and investigators while staying close enough to the work to shape how cases are handled, how tools are used, and how the function scales. Reporting to our Chief Risk Officer, you'll own two critical functions
What they're looking for
- 7–12 years of experience in fraud operations, fraud investigations, or related functions at a financial institution, fintech, or payments company
- 3+ years of people management experience, with a track record of building and developing high-performing fraud operations teams
- Deep hands-on expertise in manual review operations — queue management, case adjudication, SLA design, and analyst tooling
- Strong background in fraud investigations: experience scoping and leading complex investigations involving ATO, fraud rings, synthetic identities, or high-loss events
- Experience building and maintaining operational SOPs and playbooks that enable teams to scale
- Strong SQL skills and comfort using data to monitor performance, identify trends, and drive operational decisions
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 Head of Fraud Operations to build and lead the operational core of our fraud function. This is a player-coach role: you'll lead a team of fraud analysts and investigators while staying close enough to the work to shape how cases are handled, how tools are used, and how the function scales.
Reporting to our Chief Risk Officer, you'll own two critical functions
Manual review operations
Fraud investigations
You will be responsible for the people, processes, and tooling that make both run effectively. You'll...
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