Fraud Program Manager - Hybrid

Fraud Program Manager

At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.

If you're looking to make an impact and grow with a team that values you, come join us!

We are seeking a highly analytical and proactive Fraud Program Manager to own and continuously strengthen our fraud detection program. This role is responsible for proactively identifying fraud risks, leading complex investigations, optimizing fraud detection strategies, and driving measurable improvements across the fraud lifecycle.

The ideal candidate thrives in a highly autonomous environment, takes ownership of outcomes, and leverages data, technology, and cross-functional partnerships to identify emerging fraud trends before they impact the business. This individual will play a key role in protecting the organization by enhancing fraud controls, improving detection capabilities, and partnering across Fraud Operations, Analytics, Product, and Engineering teams.

Fraud Program Ownership

• Own a defined portion of the fraud program with accountability for quality, execution, and measurable business outcomes.
• Proactively identify emerging fraud risks and implement solutions before they become larger issues.
• Continuously evaluate fraud controls and recommend improvements that reduce fraud losses while minimizing customer friction.
• Drive initiatives from concept through implementation with minimal oversight.

Fraud Investigations & Analytics

• Conduct complex fraud investigations and account reviews using Data Visor and supporting analytical platforms.
• Utilize SQL to analyze large datasets, identify fraud patterns, uncover coordinated fraud rings, and establish relationships between accounts, devices, identities, and behaviors.
• Perform forensic investigations to identify emerging fraud typologies and recommend mitigation strategies.
• Analyze fraud trends and provide actionable recommendations based on investigative findings.

Fraud Detection & Rule Optimization

• Manage and maintain the Data Visor fraud rule inventory, including documenting, testing, monitoring, and communicating rule changes.
• Partner with Fraud Analytics to optimize fraud detection performance and improve rule effectiveness.
• Back-test mobile intelligence signals and detection strategies against known fraud rings to improve future fraud prevention.
• Continuously monitor fraud detection performance and recommend enhancements based on data-driven insights.

Cross-Functional Partnership

• Partner closely with Fraud Operations, Fraud Analytics, Product, Risk, and Engineering teams on coordinated fraud investigations and strategic initiatives.
• Participate in recurring fraud strategy sessions to identify opportunities for program improvement.
• Clearly communicate investigation outcomes, business impact, and recommendations to stakeholders across the organization.
• Document work using an output, outcome, and methodology framework to ensure transparency and knowledge sharing.

What you'll need to succeed:

• Bachelor's degree in Business, Finance, Criminal Justice, Information Systems, Data Analytics, or a related field, or equivalent professional experience.
• Experience leading complex fraud investigations within financial services, fintech, banking, lending, or payments.
• Strong SQL skills with the ability to analyze data, investigate fraud patterns, and identify linked fraudulent activity. (Candidates should expect to complete a SQL assessment during the interview process.)
• Experience investigating organized fraud rings, account takeover, synthetic identity fraud, and other common fraud typologies.
• Strong analytical and critical thinking skills with the ability to solve complex problems independently.
• Excellent written and verbal communication skills with the ability to communicate technical findings to diverse audiences.
• Demonstrated ability to prioritize work,…