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Fraud Strategy - Authentication

OnePay· Risk
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Remote$140k - $170kFull-timePosted 2mo ago

About the role

Role within the Fraud Strategy team focused on minimizing authentication-related fraud (ATO, scams, social engineering) while optimizing customer experience across authentication risk flows. Includes development of data-driven fraud strategies, roadmap for authentication, integration of AI capabilities into risk workflows, and collaboration with cross-functional teams.

Responsibilities

  • Developing and maintaining data-driven strategies to prevent fraud loss from ATO, scams, and social engineering schemes that target OnePay customers
  • Creating and executing the authentication roadmap for OnePay covering analytics, tools, capabilities, and operational processes
  • Conducting independent data analytics of portfolio behavior to identify new or shifting fraud trends using relevant tooling (Databricks - SQL, Python)
  • Overseeing the authentication fraud monitoring/alerting logic, ensuring that all critical loss vectors are covered and alerts are calibrated to be relevant & timely
  • Supporting the build out and integration of AI capabilities directly within risk workflows to automate processes, accelerate execution, and improve fraud prevention & customer experience outcomes
  • Maintaining and enhancing network/graph analysis strategies designed to capture collusive fraud rings while minimizing false positive impact to good customers
  • Working closely with and supporting IT, Operations, Product, and AML teams to investigate and triage authentication fraud incidents
  • Staying abreast of the latest fraud prevention industry developments & trends, including emerging fraudster capabilities & tactics and methods to combat them, as the SME for authentication fraud at OnePay

Qualifications

  • 5+ years of experience directly managing authentication risk strategies like device & login risk, account recovery, profile management (e.g., phone, email, address updates), etc.”
  • Highly analytical skillset with an ability to synthesize vast amounts of data into meaningful insights
  • Deep domain knowledge of the types of tools & tactics used by bad actors to conduct targeted or large-scale authentication fraud attacks, and experience in developing best-in-class solutions to mitigate these threats
  • Demonstrated ability building with AI tools—including LLMs, prompt engineering, workflow automation, or advanced analytics platforms—to improve fraud strategy & detection, eliminate manual effort, and drive measurable improvement to fraud loss, operational efficiency, and customer experience within the fraud lifecycle
  • Proficiency in SQL & Python
  • Excellent communication skills with the ability to articulate complex issues into clear, simple language for a diverse audience
  • An act-like-an-owner mentality. We have a strong bias toward taking action.

Skills

Required:Authentication risk managementData analyticsAI tooling for riskSQLPythonCommunication

Benefits

  • Competitive cash
  • Benefits effective on day one
  • Early access to a high potential, high growth fintech
  • Generous stock option packages in an early-stage startup
  • Remote friendly (anywhere in the US) and office friendly - you pick the schedule
  • Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave
  • 401(k) plan with match
Last updated Sep 10, 2026. Interested? Apply on the company site.
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About OnePay

More. For your money.

OnePay combines mobile banking, debit rewards, a digital wallet and more in one app. Banking services provided by bank partners, Members FDIC.

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