Senior Fraud Analyst

Interested in joining our team?

We’re looking for high-performing individuals who are obsessed with customer experience and ready for high-impact contributions to Mudflap’s explosive growth.

Palo Alto, CA

Full time

Hybrid

Risk

• $145K – $195K

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1.5 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume.

As a Senior Fraud Analyst
, you will help shape Mudflap’s fraud strategy as we scale our payments platform and expand into new products and payment rails. You’ll combine deep analytics, strong fraud intuition, and cross-functional leadership to identify emerging threats, design effective controls, and balance loss prevention with customer experience and growth.

This is a highly visible role for someone who wants to move beyond investigating individual cases and build the systems, strategies, and analytical frameworks that determine how a growing fintech manages fraud at scale.

Work Location: This role is based in the Bay Area and involves a hybrid work approach, balancing in-office collaboration with the ability to work remotely.

To support our team, we offer:

• Commuter benefits to ease your travel
• Lunches and snacks to keep you fueled
• A collaborative, high-growth environment where you’ll work closely with talented teammates across the company

Expectations (In this role, you will):

• Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products
• Identify emerging fraud patterns and translate insights into scalable rules, controls, and policies
• Partner with Data Science to develop, evaluate, and improve fraud detection models
• Use SQL, Python, and advanced analytics to uncover fraud trends, vulnerabilities, and opportunities
• Define fraud KPIs, loss thresholds, and monitoring frameworks tied to risk appetite and unit economics
• Build dashboards and reporting that surface emerging risks and measure strategy effectiveness
• Partner with Product and Engineering to embed fraud controls into new products and customer experiences
• Evaluate and implement third-party fraud tools, data sources, and detection capabilitiesl
• Develop fraud strategies that enable safe expansion into new payment rails, including ACH
• Balance fraud prevention, customer friction, growth, and profitability as Mudflap scales

Experience (What we look for):

• 5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or a high-volume payments business
• Hands-on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss management
• Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred
• Experience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causes
• Strong judgment balancing fraud loss, customer friction, growth, and profitability
• Experience partnering with Data Science, Product, Engineering, and Operations to implement fraud solutions
• Familiarity with card payments, ACH, digital payments, or other complex payment ecosystems
• Ability to turn ambiguous data into clear recommendations and action
• High ownership, curiosity, and comfort operating in a fast-changing environment

Perks and Benefits (What we offer):

• Competitive salary and equity in a high-growth startup
• Multiple health benefit options
• Responsible Time Off
• 401(k) matching
• Opportunities and support for major career growth
• Annual Company offsite event (Mudfest!)

The base salary range for this role is $145,000 - $195,000. This…