ONE is on a mission to help people live healthier financial lives. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money – all in one place.
The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.
What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.
There’s never been a better moment to build a business that helps people live healthier financial lives. Come build with us!
The Senior Fraud Strategy and Analytics role is responsible for the development and implementation of fraud prevention strategies that protect our customers and our company from fraud loss. Day-to-day responsibilities include, but are not limited to, the analysis of trend data on fraud patterns, implementation of fraud alerting and reporting, implementation of changes to fraud prevention strategies to reduce fraud losses and improve customer experience, and partnering with the technology teams in order to build more advanced fraud detection and prevention platform capabilities.
This role is responsible for:
Understanding and assisting in the prevention of loss from various fraud modes (Application, Account Takeover, Transaction Fraud, 1st and 3rd Party Fraud, Bust Out Fraud).
Understanding the fraud marketplace vendors and utilization in a comprehensive fraud prevention program.
Building data marts and data models used for fraud analytics.
Conducting independent analytics of portfolio behavior to identify fraud trends / patterns using relevant tools (SQL, Python, R, Tableau, DataBricks, DataVisor).
Building appropriate alerting / reporting for emerging fraud attacks.
Building and deploying fraud rules in production systems.
Ability to communicate effectively with stakeholders and senior executives both verbally and in written presentations.
Additional duties as assigned by your manager.
Significant experience in a relevant fraud strategy role; ideally experienced on identity fraud management
Proficiency in SQL / Python / SAS
Significant analytical skills with an ability to process vast amounts of data into meaningful information
An act-like-an-owner mentality. We have a bias toward taking action.
Bachelor’s degree in a quantitative field study (e.g. mathematics, statistics, economics, data science, scientific, or engineering).
Preferred candidate will also have a Master’s degree in a quantitative field.
The estimated annual base salary for this position ranges from $135,000 to $175,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.
In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.
What it’s like working @ ONE
Our teams collaborate remotely and in our work spaces in New York and Sacramento.
Benefits effective on day one
Early access to a high potential, high growth fintech
Generous stock option packages in an early-stage startup
Remote friendly (anywhere in the US) and office friendly - you pick the schedule
Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
401(k) plan with match
Inclusion & Belonging
To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. 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. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us. Email [email protected] with any questions.
For additional questions around our interview process, please check out our Candidate FAQs.