Head of Fraud

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

THE JOB

We're looking for a Head of Fraud to join our team and build a world-class fraud prevention operation. In this role, you’ll manage fraud risk, which is core to what we do at Cardless, and as Head of Fraud, you’ll be responsible for the oversight of our fraud systems.

RESPONSIBILITIES:

- Fraud Prevention: Customer Onboarding

You’ll lead the development and implementation of fraud detection strategies during the customer onboarding process. This includes working with identity verification vendors, credit bureau integrations, and risk engines to ensure fraudulent application activity is caught early. You'll oversee how fraud tools and models are deployed and enhanced over time, working cross-functionally with product, engineering, compliance, and data science teams to build robust fraud prevention methods that protect against both identity fraud and synthetic identity attacks.

- Fraud Prevention: Transaction Monitoring

You'll be in charge of the systems responsible for monitoring real-time credit card transactions, ensuring a balance between fraud prevention and customer convenience. You'll lead efforts to fine-tune fraud detection algorithms, reduce false positives, and improve the customer experience in cases where accounts are flagged or cards are declined. Your role will involve collaborating...