Director of Fraud Strategy & Analytics

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind?

We’re looking for a Director of Fraud Strategy & Analytics to take the lead on the design and execution of our credit card fraud defense strategy. In this role, you’ll lead a team of talented fraud analysts committed to protecting our customers and business.

The Impact You’ll Make

You drive forward our mission of empowering people to unlock financial progress by leading the end-to-end fraud defense strategy. This role is critical for providing our customers with a trustworthy financial platform and protecting the business from risk.

You'll take full ownership of the fraud loss line, leading a talented team of analysts to combat a wide array of threats across the entire customer lifecycle. Your leadership will be key to delivering on our fraud loss and customer experience goals, balancing robust risk management with our growth objectives. In your first year, you will establish a clear, forward-looking roadmap and shape a critical, growing function within a dynamic FinTech environment.

As Director of Fraud Strategy & Analytics, You Will:

• Own the Fraud P&L and Strategic Vision. Define and build a comprehensive end-to-end fraud strategy that minimizes financial losses while enabling good customer experience and revenue growth. You will have full ownership of the fraud loss line and the roadmap to improve it.

• Lead and Mentor a High-Performing Team. Manage, coach, and develop a team of fraud analysts. Foster a culture of data-driven decision-making, continuous learning, and proactive risk mitigation. You will empower them to own their areas and help them continue to learn and grow.

• Architect Fraud Defenses across the Customer Lifecycle. Design and optimize strategies across the entire customer lifecycle, including: Application Fraud, Account Takeover, Payments Fraud, Transaction Fraud, and Authentication, in response to evolving threats and customer behaviors.

• Drive Cross-Functional Execution. Act as a key horizontal leader, partnering with senior stakeholders across Product, Data Science, Engineering, Operations, and Acquisitions to prioritize and implement critical fraud initiatives and ensure new products launch with robust controls.

• Engage and Influence Senior Management. Report out on Fraud performance, the evolving threat landscape, and your strategic roadmap to other leaders. Articulate opportunities for potential investment and prioritization.

Minimum Qualifications:

• 7+ years of experience in a highly analytical risk or credit management role.

• 3+ years of people management experience, leading and coaching analytical teams.

• Experience in fraud strategy and analytics within credit cards, payments, or consumer financial services.

• Deep subject matter expertise in one or more of the following: Application & Identity Fraud, Account Takeover (ATO), Payment Fraud, or Transaction Fraud.

• Proven ability to lead complex, cross-functional initiatives from idea to execution, demonstrating a strong bias for action.

• Exceptional ability to communicate complex topics clearly and influence a wide range of audiences, from analysts to executives.

• Strong understanding of the analytics toolkit (SQL, Python, etc.) used to identify and combat fraud, allowing you to guide your team's technical work effectively.

• Bachelor's or Master's degree in Economics, Finance, Engineering, Mathematics, or a similar quantitative field.

Preferred Qualifications:

• Experience managing vendor relationships for fraud prevention tools, platforms, and data sources.

• Experience building and scaling a fraud function in a fast-paced, high-growth environment.

Compensation:

Annual full-time base salary range: $187,000 - $220,000

Additional compensation in the form(s) of participation in our annual incentive program and equity are dependent on role. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-friendly work environment.

About Mission Lane:

Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia.

It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do.

In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores.

Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors.

Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member.

Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status.

Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [email protected].

Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters.

Application Integrity:

Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete.

Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.