The Director of Fraud will lead all aspects of fraud prevention, detection, and mitigation at Fluz. This is a newly established leadership role, responsible for setting the fraud strategy, building a team, and owning the tools and controls that protect our business and users. Reporting to the Chief Compliance Officer, this leader will work cross-functionally with product, data science, engineering, operations, and support to build scalable defenses across the customer lifecycle. The ideal candidate brings a builder’s mindset, operational rigor, and a strong understanding of fraud vectors across both B2C and B2B fintech.

What you will do

1. Fraud Review Oversight

• Build and lead a team to perform manual fraud reviews across onboarding, transactions, and account activity.
  
• Design scalable workflows that blend manual case handling with AI-driven fraud detection.
  
• Create a feedback loop between manual reviews and automated systems to continuously improve filter accuracy.

2. Fraud Filter Management

• Define and evolve fraud filter logic across different products, funding sources, customer types, and platform channels.
  
• Collaborate with the data team to build rules, tune models, and monitor filter performance.
  
• Own reporting on filter effectiveness, false positives, and fraud loss trends.
  
• Ensure new product launches are supported by proactive fraud controls.

3. Risk Calibration & Strategic Controls

• Work with data science to establish baselines for user friction vs. financial loss.
  
• Identify calculated risk opportunities that enable business growth with acceptable exposure.
  
• Tailor fraud defenses to minimize impact on legitimate customers across varied segments.

4. Monitoring for Fraud Attacks & System Weaknesses

• Lead response to fraud spikes, coordinated attacks, or new threat patterns.
  
• Quickly surface vulnerabilities in systems, policies, or user journeys that can be exploited.
  
• Coordinate internal response during urgent or widespread fraud events.

5. Friction Reduction & User Impact Management

• Identify and resolve high-friction points caused by false positives in fraud systems.
  
• Streamline fraud handling for users incorrectly flagged during onboarding or transactions.
  
• Ensure that risk controls are adaptive and not overly burdensome for trusted customers.

6. Account Takeover (ATO) Defense

• Implement layered ATO prevention measures, including login monitoring, MFA triggers, and session intelligence.
  
• Enforce controls for verifying card ownership and preventing misuse of stolen identities.
  
• Continually test and evolve defenses as attackers change tactics.

Qualifications

• 6+ years of experience in fraud prevention, operations, or strategy within fintech, payments, banking, or a related field
• Hands-on experience managing fraud cases and developing detection rules, filters, or strategies
• Strong understanding of fraud typologies, including account takeover (ATO), synthetic identity fraud, payment fraud, and triangulation schemes
• Proven ability to lead and develop a team while collaborating effectively across technical and operational departments
• Data-driven mindset with experience partnering on rule tuning, performance metrics, and machine learning–based fraud models
• Experience building or scaling a fraud function, including leading fraud efforts in an early-stage or fast-growing environment
• Familiarity with fraud and risk platforms such as Sift, Alloy, Sardine, Unit21, Spec, or equivalent tools
• Ability to clearly explain fraud patterns, risks, and outcomes to internal stakeholders and external partners

Industry

• FinTech
• Mobile Applications

EEOC

All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

About Fluz

Fluz is a collaborative earning app that maximizes your money. Get cashback on everyday spends, earn even more by growing your circle, and make and receive payments with friends. Easy to join and free from hidden fees forever, Fluz gives you so many ways to make what you have go even further.