Senior Fraud Specialist

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 million members globally. While we're best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home and personal) and savings accounts and checking accounts* – all for free. Credit Karma has grown significantly through the years: we now have more than 1,700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London, Bangalore, and New York City.

*Banking services provided by MVB Bank, Inc., Member FDIC

As a Senior Fraud Specialist on the Financial Forensic Investigations team, you’ll be the person we count on when activity looks “off” but the answer isn’t obvious. You’ll investigate complex anomalies, connect signals across cases to disrupt coordinated fraud, and help drive incident response when emerging threats spike. This role blends deep investigative judgment with strong technical analysis (SQL + spreadsheets) and cross-functional partnership to turn findings into durable mitigations.

Some travel (~10% domestic) may be required during onboarding and team alignment. This role may also require extended hours and/or holiday coverage during peak fraud periods or active incidents.

What you’ll do:

• Lead complex investigations that go beyond standard queue work—triaging high-risk anomalies, validating hypotheses, and documenting defensible outcomes.
• Identify and disrupt organized fraud by connecting patterns across accounts, devices, behaviors, transactions, and related signals—building cases that drive action.
• Support incident response by helping coordinate rapid triage, exposure quantification, mitigation recommendations, and post-incident root cause analysis (RCA).
• Build and maintain repeatable analytics using SQL and advanced spreadsheets to accelerate investigations, track outcomes, and improve consistency of decisions.
• Turn insights into action by translating investigative findings into clear recommendations that strengthen controls, close monitoring gaps, and reduce recurrence.
• Communicate clearly under pressure—summarizing complex data into concise narratives for cross-functional stakeholders and leadership.
• Partner cross-functionally with Product, Engineering, Data Science/Analytics, and Policy to operationalize mitigations and improve end-to-end fraud defense.

What’s great about the role:

• You’ll work on the problems that don’t come with a playbook—where your judgment and curiosity make the difference.
• You’ll have meaningful ownership: from first signal → investigation → recommendation → follow-through.
• You’ll collaborate with teams across Credit Karma and help shape how we respond to fast-moving fraud threats.

Minimum Basic Requirements:

• 4–6+ years experience in fraud investigations, fraud analytics, risk operations, or financial forensic work (fintech, banking, payments, e-commerce, or financial services).
• Intermediate SQL skills—able to write and modify queries independently to extract, join, and analyze data (not just run existing reports).
• Advanced Excel/Google Sheets—comfortable building investigation trackers, models, and complex analysis with large datasets.
• Demonstrated strength in critical thinking and navigating ambiguity, especially when SOPs don’t exist yet.
• Strong written and verbal communication—able to synthesize complex findings into clear, action-oriented summaries.
• Ability to manage multiple priorities and pivot quickly based on severity, exposure, and operational urgency.
  
  

Preferred Qualifications:

• Experience with fraud ring investigations, coordinated abuse, or large-scale fraud events.
• Familiarity with incident management practices (triage, containment, mitigation, retrospective/RCA).
• Comfort partnering with technical teams to translate operational problems into requirements and measurable outcomes.
• Experience working in fast-paced environments where decisions must balance risk reduction and customer/member impact.
• Bachelor’s degree in a relevant field (Finance, Accounting, Criminal Justice, Data/Analytics, or similar) or equivalent practical experience.

Benefits include:

• Medical and Dental Coverage
• Retirement Plan
• Commuter Benefits
• Wellness perks
• Paid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)
• Education Perks
• Paid Gift Week in December

Equal Employment Opportunity:

Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, marital status, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or gender expression, national origin, veteran or military status, disability (physical or mental), genetic information or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws. 

Credit Karma is also  committed to a diverse and inclusive work environment because it is the right thing to do. We believe that such an environment advances long-term professional growth, creates a robust business, and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. We’ve worked hard to build an intensely collaborative and creative environment, a diverse and inclusive employee culture, and the opportunity for professional growth. As part of the Credit Karma team, your voice will be heard, your contributions will matter, and your unique background and experiences will be celebrated.

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