Senior Fraud Analyst

About Us

At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on Whats App, allowing our users to send money home as easily as sending a text message. We leverage cutting-edge technology like AI, blockchain, and stable coins to make cross-border payments faster, more affordable, and more accessible than ever before.

We are a hyper-growth Series B company, backed by over $100 million in funding from top-tier global investors, including QED, Castle Island, Switch Ventures, HTwenty, Monashees, and General Catalyst Customer Value Fund. This isn't just about the numbers; it's a testament to the trust our investors have in our vision and our team. Additionally, Félix was selected as an “Endeavour Entrepreneur” and was a recipient of the Cross Tech Fintech Startups Award.

We are a group of extremely talented and dedicated high-performers, united by our shared obsession with a single goal: empowering our customers. We are all owners of Félix, driven by a bias for action and a true experimentation spirit to get shit done with urgency and focus.

Joining Félix means you will be part of a team building a legacy, a company that will outlive us all. This is a rare opportunity to apply your skills to a deeply meaningful mission—serving a community that has been underserved for too long. We are a team that is fiercely loyal to each other, where radical transparency and constructive feedback are how we grow and push for excellence.

We are bold, we care less about what others are doing, and more about creating sustainable value and a product that truly makes our users' lives better. We are building the future, today.

As our Senior Fraud Analyst for Consumer Lending
, you will be the gatekeeper protecting the unit economics of our Send Now Pay Later (SNPL) product. This is a high-visibility hybrid role reporting directly to the Head of Credit Risk, with a dotted line into our broader Fraud Organization. You will be responsible for defining, detecting, and mitigating fraudulent behaviors at the intersection of instant conversational interfaces (Whats App) and digital lending.

We need an autonomous data specialist who can build prevention frameworks from scratch, identify sophisticated attack vectors, and ensure that our growth remains highly secure and profitable.

• Fraud Definition & Mitigation:
  Define first-party fraud typologies specific to our conversational lending product and execute data-driven strategies to minimize exposure over time.
• Payment & Chargeback Analytics:
  Own repayment fraud and chargeback analytics for SNPL payments, identifying trends, exploit loops, and implementing preemptive transaction blocks.
• KPI Ownership:
  Drive and manage key fraud metrics (e.g., fraud rate, false positive ratios, chargeback-to-sales ratios) across the entire lending vertical.
• Operational Policy Design:
  Partner closely with the Operations team to build, optimize, and scale automated block and manual investigation policies.
• Advanced Risk Tooling:
  Liaison with the central Fraud and Data teams to build/refine Machine Learning models and orchestrate dynamic rules within our Taktile decisioning workflows.
• Regulatory & Compliance Liaison:
  Coordinate with the Legal & Compliance team to monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse patterns, and system exploitation.

• Fintech & Lending Core: 4+ years of hands‑on experience in Fraud Risk Management, explicitly within consumer lending, digital wallets, or buy‑now‑pay‑later (BNPL) ecosystems.
• Data Analytics Mastery:
  Highly autonomous and advanced skills in SQL and data manipulation (Python/R or BI visualization tools) to extract and analyze transactional logs without needing hand‑holding.
• Rule Engine Architecture:
  Prior exposure or experience working with modern decision engines (such as Taktile, Provenir, or similar) and deploying machine learning risk models.
• Exceptional Communication:
  Strong cross‑functional communication skills; ability to translate complex fraud patterns into clear business risks for…