# Head of Fraud Operations at Cardless

- Company: Cardless
- What the company does: 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.
- Company website: https://www.cardless.com/
- Type: Startups
- Level: Principal and up
- Location: San Francisco
- Work setup: On-site
- Pay: $170K to $230K base salary per year (USD)
- Posted: 2026-04-02
- Apply by: 2026-10-08
- Apply: https://jobs.ashbyhq.com/cardless/6c23bcac-0f50-4901-8974-7a021e81fbf9
- Page: https://www.1752.vc/careers/jobs/cardless-head-of-fraud-operations/

## 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

Tags: Risk