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Senior Fraud Risk Analyst (SQL, Python)

United States
  • Experienced Senior Fraud Risk Analyst proficient in SQL, Python, or PySpark
  • 3-5+ years of experience specifically in Fraud Strategy and/or Fraud Operational Analytics
  • Remote-first opportunity for US-based employees with the option to work in-person out of our Manhattan office 

Start your adventure with Zip 

Join our Core Product team at Zip, where we focus on ensuring the success and profitability of our Pay-in-4 product. Our team ensures appropriate spending power allocation for customers while managing repayment plans effectively. We also continue to optimize the customer sign-up funnel to enhance user experience and increase conversions. Additionally, we take ownership of product profitability, constantly refining pricing strategies to align with market demands and customer needs. If you're passionate about optimizing products and driving profitability in a dynamic fintech environment, this team is the place to be.

As a Senior Fraud Risk Analyst, you will be the primary Fraud Analyst across the Risk organization. You’ll own and enhance the end-to-end Identity Verification and Fraud Risk strategy and lead initiatives that help proactively detect and mitigate evolving fraud risks. Your work will span strategy development, data sourcing, experimentation, performance monitoring, and collaboration with cross-functional teams. You’ll partner closely with our Fraud Ops and Machine Learning teams for proactive & timely management of fraud mitigation strategies that align with Zip’s risk appetite while enabling growth.

Interesting problems you’ll get to solve

  • Own and optimize the portfolio-level Identity and Fraud Risk strategy during underwriting.
  • End-to-end ownership of analytics: identify risk exposure or opportunity areas, define and design mitigation strategies (e.g. cutoffs, rules), execute tests (e.g. A/B testing), and monitor effectiveness post-implementation.
  • Lead the development and implementation of go-to-market fraud strategies and proactively incorporate new data sources and signals into decisioning frameworks.
  • Monitor and optimize fraud decisioning performance - approvals, declines, false positives, and chargebacks, across key fraud vectors (identity risk, device risk, transaction risk).
  • Develop risk rules and cutoffs that balance fraud mitigation and customer experience.
  • Identify and source innovative fraud detection signals and tools (device fingerprinting, behavioral data, etc.).
  • Collaborate with our Machine Learning and Fraud Review teams to iterate on strategy, detect trends, and respond rapidly to emerging fraud threats.
  • Maintain and evolve risk governance documentation, including fraud policies and operational procedures.
  • Stay up-to-date on industry trends, fraud tactics, and mitigation techniques

What you’ll bring to the team 

  • 3-5+ years of experience in Fraud Strategy and/or Fraud Operational Analytics, this is a must-have.
  • Deep familiarity with fraud domains: identity risk, device risk, transaction risk, and the ability to keep pace with emerging trends.
  • Proven experience as a fraud analyst with ownership of strategy development, implementation, and performance monitoring.
  • Highly self-driven and proactive. You take initiative, own your work from end to end, and thrive in collaborative, high-growth environments.
  • Advanced SQL skills are required; Python or PySpark experience preferred.
  • Experience with A/B testing and performance analytics in a risk or fraud context.
  • Familiarity with data visualization tools (e.g., Tableau, Power BI) is a plus.
  • Strong written and verbal communication skills with the ability to influence both technical and non-technical stakeholders.
  • A data-driven mindset, eager to uncover patterns, derive insights, and drive improvements.

What you’ll get in return

Zip is a place where you’ll get out what you put in. The newness of our sector means we need to move at pace and embrace change, and our promise to you when you join the team is that you’ll feel empowered and trusted to make big things happen quickly. 

We want you to feel welcome and as though you have the support to be yourself, and care for yourself at work. Because it’s important to us that you make the most of the opportunities you’ll get to grow your skills and your career, and be surrounded by smart, friendly people and leaders that have your back.

We think these are just some of the best things about being a Zipster. We will also offer you:

  • Flexible working culture
  • Incentive programs
  • 20 days PTO every year
  • Generous paid parental leave
  • Leading family support policies
  • 100% employer covered insurance
  • Beautiful Union Square office with a casual dress code
  • Learning and wellness subscription stipend
  • Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations.

The annual base Pay Range for this position is $108,000 - $130,000 This range reflects our US national compensation (USN). Additional premium percentages may apply based on our tiered premium strategy.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and/or other benefits. 

If hired, employees will be in an 'at-will position' and the Company reserves the right to modify base salary (as well as any other discretionary payment or compensation or benefit program) at any time, including for reasons related to individual performance, Company or individual department/team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

We pride ourselves on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique.

Equally, we’re committed to ensuring our recruitment processes are accessible and inclusive. Please let us know If there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally…get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products.

Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

I acknowledge by clicking "Submit Application", that the information provided is true and correct. I also understand that any willful dishonesty may render for refusal of this application or immediate termination of employment. By providing your information, you acknowledge that you have read our Zip Applicant and Candidate Privacy Notice and authorize Zip to process your data subject to those terms. 

Zip participates in the federal government’s E-Verify program

Before you apply, give Zip a try   -> rebrand.ly/check-zip-out

We are a proud 2025 Circle Back initiative employer and will respond to every applicant.

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