支付欺诈调查员
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Payments Fraud InvestigatorStripe · US-Remote
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职位描述
机器翻译我们是谁
关于 Stripe
Stripe 是一个面向企业的金融基础设施平台。数百万家公司——从全球最大的企业到最有抱负的初创公司——都在使用 Stripe 来接受付款、增长收入并加速新的商业机会。我们的使命是提升互联网的 GDP，而我们面前还有大量工作要做。这意味着你拥有一个前所未有的机会，在从事你职业生涯中最重要的工作的同时，让全球经济触手可及。
关于团队
Fraud Operations 的使命是充当全球金融生态系统的守护者，通过主动减少欺诈，让欺诈者难以通过 Stripe 实施攻击且无利可图。Fraud Ops 负责开发和维护与欺诈分析、卡测试、账户接管以及金融合作伙伴调查请求相关的可扩展流程。我们致力于改进人工欺诈决策，并提升受欺诈决策影响的用户的支持体验，同时促进业务的健康增长。
你将做什么
作为支付欺诈调查员，你将通过调查高风险账户并识别各种形式的欺诈，在保护我们的金融生态系统方面发挥关键作用。你将深入分析商户账户，领导跨职能项目，并与利益相关方合作，以大规模增强我们的欺诈检测和预防策略。你在欺诈模式和类型方面的专业知识对于开发和改进调查流程与项目至关重要。
职责
岗位职责
作为支付欺诈调查员，你将通过调查高风险账户并识别各种形式的欺诈，在保护我们的金融生态系统方面发挥关键作用。你将深入分析商户账户，领导跨职能项目，并与利益相关方合作，以大规模增强我们的欺诈检测和预防策略。你在欺诈模式和类型方面的专业知识对于开发和改进调查流程与项目至关重要。
• 分析高风险账户，以识别欺诈商户、卡测试、账户接管以及其他欺诈途径
• 领导根因分析，以识别当前系统、政策和策略中的缺口，并通过与关键利益相关方合作，确定应对新兴欺诈风险的改进措施和流程优化
• 推动跨职能项目，旨在优化运营流程和工具，增强我们全球分析师网络对欺诈账户的检测和管理
• 调查、缓解和补救紧急欺诈事件，例如卡测试和账户接管，并管理用户对高紧迫性分布式欺诈攻击的响应
• 在团队和组织范围内的业务回顾中定期沟通更新，向高管总结复杂调查的结果，并向用户和合作金融机构提供清晰的案件裁定
• 前往供应商所在地开展分析师培训课程和知识共享活动，同时识别挑战并提升分析师绩效以改善整体成果
任职要求
我们在寻找符合该职位最低要求的人选。如果你符合这些要求，我们鼓励你申请。优先资格是加分项，而非必需条件。
最低要求
• 3 年以上开展复杂调查的经验
• 1 年以上领导风险相关项目和倡议的经验，并能与跨职能利益相关方有效协作
• 展现出利用数据为战术和战略挑战提出解决方案的能力
• 以主动的方式挑战现状，愿意质疑现有流程并倡导改进
• 在应对挑战时以用户为中心，同时兼具务实和以解决方案为导向的思维方式
• 能够每年最多 10% 的时间前往供应商所在地出差
• 在支付、电子商务、社交媒体或金融科技领域，缓解数字欺诈或卡不在场欺诈的经验
• 设计欺诈和风险工作流、分析师工具以及流程和程序化工作流的经验
• 熟练使用 SQL 分析数据、提炼洞察并创建仪表板和可视化
以上内容由机器翻译自动生成，可能存在错误；投递前请以雇主原文为准。
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职位描述
Who we are
About Stripe
Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.
About the team
The mission of Fraud Operations is to act as guardians of the global financial ecosystem by proactively reducing fraud, making it difficult and unprofitable for fraudsters to carry out attacks through Stripe. Fraud Ops is responsible for developing and maintaining scalable processes related to fraud analysis, card testing, account takeover, and financial partner investigation requests. We strive to improve manual fraud decisioning and enhance support experiences for users impacted by fraud decisions, all while enabling healthy growth for the business.
What you'll do
As a Payments Fraud Investigator, you'll play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You'll conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies is essential in developing and enhancing investigative processes and programs.
Respons
岗位职责
As a Payments Fraud Investigator, you'll play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You'll conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies is essential in developing and enhancing investigative processes and programs.
• Analyze high-risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors
• Lead root cause analyses to identify gaps in current systems, policies, and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders
• Drive cross-functional projects aimed at refining operational processes and tools, enhancing the detection and management of fraudulent accounts across our global analyst network
• Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency distributed fraud attacks
• Communicate regular updates during team and organization-wide business reviews, summarize outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions
• Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes
任职要求
We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.
Minimum requirements
• 3+ years of experience conducting complex investigations
• 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders
• Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges
• Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements
• User-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset
• Ability to travel to vendor locations for up to 10% of the year
• Experience in payments, e-commerce, social media, or fintech, mitigating digital or card-not-present fraud
• Experience designing fraud and risk workflows, analyst tooling, and processes and procedural workflows
• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations