Manager, Fraud Monitoring

Upgrade is a fintech company that provides affordable and responsible credit, mobile banking, and payment products to everyday consumers. We were the fastest growing company in the Americas last year according to the Financial Times and Upgrade Card was the fastest growing credit card in America two years in a row. We have delivered over $33 billion in affordable and responsible credit to our 5.5M customers. The company is backed by some of the most prominent technology investors and was recently valued at $6.3B.

We have built an energizing, collaborative and inclusive culture where team members help each other, learn and innovate to move the company and its customers in the right direction, and own the outcome of their efforts.

Upgrade has been named a “Best Place to Work in the Bay Area” three years in a row, “Top Companies to work for in Arizona” and one of the "Best Engineering Department" awarded annually by Comparably. We've also received recognition for being a best company for Diversity, Women, Culture, and Veterans.

We are looking for new team members who get excited about designing and delivering new and better products to join a team of 1850 talented and dedicated professionals. Come work with us if you like to tackle big problems and make a meaningful difference in people's lives.

About the Role:

Upgrade is searching for a Fraud Monitoring Manager that will be responsible for leading the strategy and execution for the Fraud Monitoring Team. They will be responsible for overseeing the development, implementation, and revision of fraud monitoring policies and procedures in alignment with regulatory changes and industry best practices. This role will be based in our Phoenix or San Francisco office  in a hybrid capacity.

Compensation:

$110,000.00-$130,000.00

What You’ll Do:

• Manage the process and Fraud Monitoring Analysts that review and respond to potential fraud threats
• Provide second reviews for all functions within fraud ensuring adherence to procedures, SLAs, and best practices
• Lead escalations and mitigation efforts of significant misconduct incidents or problematic fraud trends with cross-functional teams including Fraud Analytics, Fraud Product, Compliance, and other stakeholders
• Responsible for the identification of emerging fraud trends and developing strategies to mitigate risk for Upgrade and its customers
• Develop metrics and KPIs aimed at evaluating the effectiveness of fraud prevention methods, proactive monitoring, and loss mitigation efforts
• Challenge existing processes to improve effectiveness and efficiency
• Understand the risks of AML and fraud typologies that are presented by Upgrade’s product offerings and services, including lending and deposit products
• Ensure coordination between Fraud teams to recover or chargeback stolen funds

What We Look For:

• 5-7 years of BSA/AML, Investigations, or Fraud related experience
• 3-5 years managing teams and processes
• Bachelor's degree required
• Excellent communication, interpersonal, leadership, coaching, and conflict resolution skills

Nice to Have:

• Advanced skills in Excel, SQL, or equivalent query languages
• Tableau or similar business intelligence or data visualization tool 
• CAMS, CFE, and/or other relevant certifications
• Prior experience in FinTech or start-up environment

What We Offer You:

• Great open office space
• Paid time off (PTO)
• 401K matching
• Comprehensive benefits package: Medical, dental, vision, life insurance & disability
• Conveniently located in the heart of Downtown Phoenix close to light rail and public transportation
• Paid parking or platinum pass
• New Hire Training Program
• Wellness Incentive Program
• Kitchen fully stocked with snacks and beverage

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We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.