欺诈情报负责人
Fraud Intelligence Lead
我们相信，人们与财务的互动方式将在未来几年得到显著改善。我们致力于通过构建数千名开发者用来创建自己产品的工具和体验，推动这一变革。Plaid 为数以百万计的人提供他们依赖的工具，帮助他们过上更健康的财务生活。我们与 Venmo、SoFi、多家财富 500 强公司以及许多大型银行合作，让人们能够轻松地将财务账户连接到他们想要使用的应用和服务。Plaid 的网络覆盖美国、加拿大、英国和欧洲的 12,000 家金融机构。公司成立于 2013 年，总部位于旧金山，在纽约、西雅图、华盛顿特区、罗利、伦敦和阿姆斯特丹设有办事处。
欺诈情报团队的使命是将欺诈信号转化为洞察力，由 EPD 团队将其转化为在 Protect、IDV、Signal 和 Guaranteed Payments 中的改进。我们认为交易模式、设备信号、身份关联和行为数据在欺诈预防中被严重低估，我们的产品建立在当前对手实际行为的基础上。
作为欺诈情报负责人，你将组建并领导一支小型、高杠杆的欺诈情报分析师团队（最终包括一名高级研究员），负责在 Protect、IDV 和 Payments/ACH 中的实时案件处理工作。你将作为教练兼参与者，招聘和指导你的团队，同时保持对工作的紧密接触，必要时亲自处理案件和 SEV 响应。
职责
团队建设与人员领导
- 设定案件处理质量标准：定义团队在调查、优先级排序和报告方面的严谨标准
- 指导分析师在调查技术、模式综合以及将发现转化为产品/模型输入方面的能力
运营模式与跨 PA 合作
- 负责在 Protect/IDV 和 Payments/ACH 模块之间的覆盖分配，根据流量变化灵活调整任务
- 清晰管理欺诈 PA 和支付 PA 之间的矩阵式人员配置和时间分配
- 在产品和模型路线图讨论中代表欺诈情报团队，将案件处理模式转化为战略重点
报告与升级
- 向欺诈负责人报告团队健康状况、案件趋势和新兴风险
- 负责涉及法律、执法或监管机构的 SEV 和事件的升级路径
实时欺诈处理
查看英文原文
We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Seattle, Washington D.C., Raleigh, London, and Amsterdam.
Our Fraud Intelligence team's mission is to turn fraud signals into insight that our EPD teams transform into improvements across Protect, IDV, Signal, and Guaranteed Payments. We believe transaction patterns, device signals, identity linkages, and behavioral data are dramatically underleveraged tools in fraud prevention, and we ground our products in what adversaries are actually doing right now.
As the Fraud Intelligence Lead, you will build and run a small, high-leverage team of Fraud Intelligence Analysts (and eventually a Staff Researcher) responsible for live casework across Protect, IDV, and Payments/ACH. You'll operate as a player-coach, hiring and coaching your team while staying close enough to the work to personally pick up casework and SEV response when needed.
RESPONSIBILITIES
Team Building & People Leadership
- Set the casework quality bar: define what rigorous investigation, triage, and reporting look like for the team
- Coach analysts on investigation technique, pattern synthesis, and translating findings into product/model input
Operating Model & Cross-PA Partnership
- Own coverage allocation across the Protect/IDV and Payments/ACH pods, including flexing assignments as volume shifts
- Manage matrixed staffing and time allocation clearly between the Fraud PA and Payments PA
- Represent the Fraud Intelligence team in product and model roadmap discussions, translating casework patterns into strategic priorities
Reporting & Escalation
- Report team health, casework trends, and emerging risks to the Head of Fraud
- Own escalation paths for SEVs and incidents requiring legal, law enforcement, or regulatory involvement
Live Fraud Investigation & Reconstruction
- Lead investigations into complex fraud cases across identities, accounts, devices, and transaction surfaces
- Provide support to day-to-day fraud operations including SEVs and alert triage
- Reconstruct attacker sequences and hypothesize actor intent and tooling
- Distill patterns from noisy signals into clear narratives and actionable insights
- Bridge investigation outcomes to product and model improvements
Product & Model Partnership
- Collaborate with Data Science, ML/AI, and Product teams to improve labeling, feature sets, evaluation frameworks, and model decay monitoring
- Surface data quality limitations and systematically formalize missing features
- Translate exploratory research into reusable feature pipelines, model inputs, or rule augmentations
- Participate in product discovery, roadmap planning, and post-launch evaluation to ensure fraud-awareness by design
Ecosystem Monitoring & Knowledge Leadership
- Continuously survey external fraud trends, adversary techniques, tooling, and emerging threat vectors
- Proactively perform threat modeling of abuse surfaces and initiate research proposals when patterns emerge
QUALIFICATIONS
- 5+ years of applied fraud experience in a high-velocity environment (fintech, consumer payments, banking, SaaS, marketplace risk, or security research)
- Investigator mindset: pattern synthesis, hypothesis testing, and skilled triage between signal and noise
- End-to-end investigation experience reconstructing attacker intent and behavior in multi-step attack sequences across accounts, devices, and identities
- Post-containment incident response experience with a deep emphasis on post-mortems and root cause analysis
- Dark and grey-web navigation and investigation experience; ability to assess source credibility and translate external intelligence into actionable insights
- Strong communication: ability to explain complex, ambiguous behavior to technical and non-technical audiences
- Tool fluency with data environments and investigative toolchains (BI tools, anomaly detection, case trackers)
- SQL for deep data querying and exploratory analysis
- Python for scripting, rapid prototyping, and analytical workflows
PREFERRED:
- Graph/network analysis experience to detect linked behavioral structures or actor networks
- Familiarity with rule engines, signal gating, and large-scale monitoring systems
- Experience applying AI tools and agents to accelerate investigations and research workflows
- Ability to translate fraud research into actionable signals, rules, or labeled datasets that improve model performance
NICE TO HAVE
- Fraud domain certifications (e.g., CFE)
- Prior work on consumer identity, payments, or risk platform development
- Exposure to production ML model lifecycles and metrics for drift/decay
- Experience improving internal fraud tooling, automation, or case management systems
Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!
Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.
Please review our Candidate Privacy Notice here https://plaid.com/legal/#candidate-privacy-notice.
Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.