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Fraud Analyst

Remote within US

Who We Are

Settle is on a mission to make buying inventory super easy. Since the company’s inception in 2019, we’ve been building a cashflow management platform that allows founders and small business owners to more easily manage their company’s financial health with a mix of accounts payable and flexible financing tools. We already work with some amazing brands that you probably know and love, like Branch Furniture, Olipop, Truvani, Starface, and Ghia.

Check us out in On Deck's Top Companies of 2023, Forbes' Next Billion-Dollar Startups, Techcrunch and this Kleiner blog post.

About the role:

The Junior Fraud Analyst will be responsible for handling the day-to-day operations of Settle’s fraud prevention strategy. We’re looking for an intellectually curious individual who is task-oriented but also sees the bigger picture. An ideal candidate will be able to execute existing processes efficiently while providing suggestions for improvement and optimization. This role requires a resourceful person who can operate independently but understands when escalation is required.

You will conduct fraud reviews for customer onboarding and transaction monitoring, identifying and mitigating potential risks, and collaborating with the Senior Fraud Manager to address emerging fraud vectors. You’ll also work closely with compliance and operations teams to enhance fraud prevention strategies.

What you’ll do:

  • Manually review new customer sign ups and apply control mechanisms to reduce risk while keeping false positives and review times within KPI goals.
  • Monitor transactions for both fraud risk and potential Anti-Money Laundering (AML) risk while maintaining internal SLAs.
  • Identity opportunities for process improvement or enhanced tooling that would allow us to perform reviews efficiently.
  • Develop case studies for emerging risks and partner with the Senior Fraud Manager in research that will be escalated to Settle leadership.
  • Collaborate with the operations team to ensure that we are effectively communicating with internal and external stakeholders about our mitigation measures.
  • Coordinate with our compliance team to escalate money laundering or sanctions risks identified during fraud monitoring processes.

What you’ll need:

  • 3+ years of experience in fraud prevention, ideally for a fintech or a payments platform.
  • 3+ years of experience working review queues using internal and external tools for investigation.
  • 1+ years of experience writing SQL or using a BI tool such as Mode, Metabase, Looker, etc.
  • Self-starter. This role requires someone who requires minimal oversight and is comfortable making informed independent decisions.
  • Startup Mentality: Ability to be resourceful and thrive in dynamic, rapidly evolving environments, effectively navigating internal change management.
  • Customer focused. Must care as much about supporting good customers as stopping bad actors.
  • Tenacious. Must be able to grind through the work while maintaining an attention to detail that could be the difference between a fraud prevention and a fraud loss.
  • Flexibility. Fraudsters don’t work 9 to 5 so this role may require some time off hours.

Nice to have:

  • Credit risk team collaboration monitoring loan disbursements.
  • Compliance team collaboration monitoring sanctions and AML risk.

Compensation:

This role offers an annual base salary range of $75,000 - $95,000 + comp + equity + benefits. Various factors, including your skills and experience will determine actual compensation.

Benefits & perks that we offer:

  • 🏝️ Unlimited PTO
  • 🏡 Flexible and remote work culture
  • 💸 Generous salary and equity for all staff
  • 🩺 Health, dental, and vision coverage for you and your dependents
  • 🚌 Lunch & commute reimbursement when working in the NYC office located near Union Square
  • 💻 $500 home office set up reimbursement
  • 📚 $2500 annual growth and development stipend
  • 🥗$50 monthly food delivery gift card
  • 🪜 401k
  • 💳Brex company card
  • 🩺 HSA/FSA
  • 🏢 WeWork membership
  • 💕 ERG groups e.g. LGBTQIA+, Women @ Settle, and more!
  • 🚀 Employee Referral Program
  • 🎉 Team building events

Our Commitment to You

At Settle we know that cultivating diversity and fostering an inclusive work environment is critical to our impact and success. We create an environment where no individual is advantaged or disadvantaged because of their background. We offer equal opportunity employment regardless of race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability status, age, marital status, or protected veteran status.

With a commitment to maintaining a bias-free environment in which harassment is prohibited, we respect cultural diversity and comply with the laws of the places in which we operate. We expect our business partners, suppliers, clients, and all of our team members to uphold these commitments.

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