Lending Fraud Strategy

About One

One’s mission is simple - to help customers achieve financial progress. We’re doing this by creating simple solutions to help our customers save, spend, borrow, and grow their money – all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As part of the Application Fraud team, your mandate is to minimize application fraud losses while optimizing the customer experience.  You will be responsible for leading the build out and integration of the  best-in-class application fraud platform, core capabilities, and  strategies.  

This role is responsible for:

• Manage overall onboarding fraud strategy for both first party / synthetic fraud and ID theft as well as good customer approval rate for POS loans portfolio.
• Own onboarding fraud losses for all of One’s consumer lending products
• Manage the fraud strategy lifecycle end to end from monitoring key performance indicators to identifying patterns and opportunities to bring strategy change proposals to getting strategies  implemented in decision systems to post production validation.
• Work closely with Product owners to provide inputs and set fraud control requirements for new product and feature launches.
• Work closely with cross-functional teams, including engineering, data science, credit risk, legal/compliance, operations, and vendors to align fraud prevention efforts with broader organizational goals.

You bring

• Expert Career (5+ Years) in a fraud strategy role - preferably in onboarding/application fraud risk management for lending products.
• An act-like-an-owner mentality. We have a bias toward taking action.
• Strong analytical experience in strategy/rule development
• Proficiency in SQL is required.
• Think both like a fraudster and a good customer.
• Analytics required for delivery of a comprehensive optimization framework.
• Excellent written and verbal communication skills.

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at One. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within One.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.