The Senior Fraud Investigations Analyst is crucial in proactively identifying and mitigating fraud threats across ID.me’s member network. This position focuses on high-complexity fraud cases, including account takeover (ATO), stolen identities, and synthetic identities. This role requires competency in SQL for data-driven fraud detection and analysis. The Senior Fraud Investigations Analyst will work cross-functionally with Product, Engineering, Legal, and Security teams to drive fraud-prevention initiatives, enhance fraud detection systems, and influence fraud mitigation strategies. Responsibilities include leading investigations into complex fraud schemes such as account takeover, synthetic identity fraud, fraudulent documents, Generative AI risks, and large-scale fraud rings; utilizing SQL to query, analyze, and extract insights from large datasets to detect fraudulent patterns and trends; identifying systemic fraud risks and collaborating with Engineering and Product teams to enhance fraud prevention mechanisms; acting as a subject matter expert on fraud tactics, techniques, and procedures including credential stuffing, social engineering, and compromised documentation fraud; communicating key trends and investigations to ID.me customers; monitoring fraudulent transaction activity and behavioral anomalies; collaborating with Threat Intelligence, Data Science, and Security teams; leading fraud escalations and providing actionable recommendations; and presenting findings and trends to senior leadership and stakeholders. Basic qualifications include 3+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management with a focus on account takeover attacks; 2+ years of experience using fraud detection tools, machine learning models, or risk-scoring methodologies; and 2+ years of experience interpreting fraud indicators and transaction monitoring data. Preferred qualifications include strong knowledge of fraud tactics and techniques, familiarity with malware analysis and behavioral analytics, proficiency in SQL, a bachelor's degree in a related field, excellent time management skills, and the ability to communicate technical findings clearly.
