O

OnePay

Runs an app for banking, payments and investing

Fraud Strategy - Authentication

Full-Time
$140k - $170k/yr+ Stock options + 401(k) match
Senior
Remote in USA
Remote
Finance & BankingRisk Management

About the job

Requirements
  • At least 5 years of experience directly managing authentication risk strategies, including device and login risk, account recovery, and profile management.
  • Strong analytical skills and the ability to synthesize large amounts of data into meaningful insights.
  • Deep knowledge of tools and tactics used by bad actors to conduct targeted or large-scale authentication fraud attacks, and experience developing solutions to mitigate these threats.
  • Demonstrated experience building with AI tools, including large language models, prompt engineering, workflow automation, or advanced analytics platforms, to improve fraud strategy and detection, eliminate manual effort, and improve fraud loss, operational efficiency, and customer experience across the fraud lifecycle.
  • Proficiency in SQL and Python.
  • Ability to articulate complex issues clearly and simply to a diverse audience.
Responsibilities
  • Develop and maintain data-driven strategies to prevent fraud losses from account takeover, scams, and social engineering schemes targeting OnePay customers.
  • Create and execute OnePay's authentication roadmap covering analytics, tools, capabilities, and operational processes.
  • Independently analyze portfolio data to identify new or shifting fraud trends using tools such as Databricks, SQL, and Python.
  • Oversee authentication fraud monitoring and alerting logic, ensuring critical loss vectors are covered and alerts are relevant and timely.
  • Support the development and integration of AI capabilities directly into risk workflows to automate processes, accelerate execution, and improve fraud prevention and customer experience outcomes.
  • Maintain and enhance network and graph analysis strategies to capture collusive fraud rings while minimizing false positives for legitimate customers.
  • Work with and support IT, Operations, Product, and AML teams to investigate and triage authentication fraud incidents.
  • Stay current on fraud prevention developments and trends, including emerging fraudster capabilities and tactics and methods to combat them, serving as OnePay's authentication fraud subject matter expert.

About the company

OnePay runs a consumer finance app for people in the United States, bringing everyday money management and longer-term investing into one account experience. Its products span checking, savings, personal loans, retirement accounts and cryptocurrency, with banking services supplied by partner banks rather than OnePay itself. Customers manage their accounts through the app, while employers and payroll platforms connect financial tools to the systems their workers already use. The business charges fees on cryptocurrency trades and selected cash-advance services, while stock purchases and sales carry no OnePay commission. Its banking business was founded in 2019 and is based in New York.

Company Size

501-1,000

Company Stage

Growth Equity (Venture Capital)

Total Funding

$300M

Headquarters

New York City, New York

Founded

2019

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Simplify Jobs

Simplify's Take

What believers are saying

  • US staff gain location flexibility: OnePay advertises remote-first work anywhere domestically and a monthly home-office stipend.
  • Investing reinforces banking adoption: OnePay Invest requires a OnePay deposit account as its sole funding source.
  • Retail distribution is already built: OnePay Wallet works at more than 4,500 Walmart locations and online.

What critics are saying

  • Expect urgency beyond standard hours: OnePay explicitly says its workplace is not a traditional nine-to-five.
  • Investment operations depend on another firm: DriveWealth handles OnePay Invest clearing and custody.
  • Headline rewards have limits: OnePay category cash back pays 3% on only $150 in monthly spending.

What makes OnePay unique

  • Wallet reaches beyond OnePay cards: shoppers link outside cards and scan QR codes at Walmart.
  • Payroll access bypasses banking signup: OnePay @Work gives earned wage access without requiring a OnePay deposit account.
  • Credit reporting follows debit-like spending: Builder Card locks purchase funds from checking and automatically pays monthly balances.

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Benefits

  • 401(k) Company Match
  • Flexible Work Hours
  • Remote Work Options
  • Stock Options
  • Paid Vacation
  • Paid Sick Leave
  • Paid Parental Leave
  • Paid Caregiver Leave

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