Fraud Risk Manager

# About the Company Made’s mission is to help homeowners save time, money, and stress. It starts with **Made Card** - a credit card designed specifically for homeowners, with unmatched rewards on mortgage payments, home improvements, utilities, and essential purchases. Each swipe powers a personalized home management platform where users can manage home systems & appliances, stay ahead on upkeep, and get help - from AI-driven guidance to in-person services - exactly when they need it most. By bringing together financial tools, data, and trusted professionals, we give people more control, more savings, and more time to enjoy the place they call home. We’re partnered with **leading national players in the residential homeownership space** - from mortgage lenders to home services providers - embedding Made into the key moments of the homeowner journey. These partnerships let us reach millions of households across the country and deliver meaningful benefits to homeowners. Backed by top investors like **Village Global, Jump Capital, Recharge Capital,** and **Soma Capital**, our leadership team brings deep fintech, mortgage, and credit card experience from **Ramp, Bain Capital, JP Morgan Chase, American Express,** and **Morgan Stanley**. We’re building the financial and engagement platform for the next generation of homeowners - one that puts the homeowner at the center, and redefines what it means to feel at home. # **About the Role** The **Fraud Risk Manager** is a key member of the Risk Management team focusing on the development and implementation of robust fraud prevention for the Made credit card. In this role, you will collaborate closely with Product, Engineering, and Operations teams to deliver risk-based, customer-centric fraud strategies. This role offers an exciting opportunity to lead and innovate in the field of credit card fraud prevention, ensuring the security and integrity of our services while delivering exceptional value to our customers. # **What You’ll Do** Fraud Risk Management at Made Card spans three overlapping areas: - **Origination:** Building and maintaining a strong KYC program that ensures we bring only legitimate customers into our program. This includes KYC and Sanctions screening. - **Account management:** Building and maintaining a set of controls to protect our customers’ accounts from account takeovers and payment controls to minimize the risk of returns (in close collaboration with Credit Risk). - **Authorizations:** Maintaining a strong fraud authorizations playbook to minimize point of sale fraud losses. In each of these areas, the work will involve the following: - Constantly evaluating our capabilities against emerging threats (e.g. deepfake videos) and upgrading our tech stack as needed (including using new vendors). - Reviewing and adjudicating escalations (e.g., deciding on KYC reviews, managing the authorizations case load). - Establishing KPIs (e.g., fraud denial rate at onboarding and authorizations) and working hands on with data to develop reporting capabilities (e.g., using Retool). - Take accountability for fraud loss metric (first payment default rate, R10 returns, reward points fraud loss rate, transaction fraud loss rate). - Preparing case studies (both loss prevented and loss taken), presenting to the Executive Team, and incorporating learnings. - Adopting and implementing a test-and-control system to quantify the benefits of new tools and strategies. # **Ideal Background** - **2+ years** of experience in fraud prevention in financial services required. Experience in the credit card domain a big plus. - Strong technical acumen: pull data, analyze, create KPIs, create reporting tools (Python, SQL knowledge a plus) - Exceptional strategic thinking and problem-solving skills. *We understand that not everyone comes from a traditional background. If you are a rockstar with a non-traditional path, we'd love to talk to you!* # **Nice to Have** - Experience in fintech, credit cards, real estate, or home services. - Familiarity with compliance-heavy or regulated marketing environments. - Passion for credit cards, rewards, or homeownership-related products. # **Benefits** - **Base Compensation Band:** $100,000–$110,000 (determined by experience, qualifications, and location) - **Compensation:** Competitive salary with a meaningful stake in the company via equity - **Health & Well-being:** We’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits - **Grow Together:** Company-wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback - **Mortgage Benefit:** Receive up to $25,000 toward closing costs of a new mortgage via our mortgage partners - **Play Together:** Quarterly budgets for team and company outings. Use it for team swag, cooking classes, or team dinners! - **Generous Time Off:** Flexible paid time off, sick days, and 11 company holidays *Throughout the interview process, please remember that emails will only be from* [**](http://madecard.com) *emails. We won't ever be asking for any personally identifiable information during the interview process itself. Please reach out to* [*talent@madecard.com*](mailto:talent@madecard.com) *if you have any requests to verify the authenticity of an outreach.* *Made Card is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Made Card makes hiring decisions based solely on qualifications, merit, and business needs at the time.*