Senior Staff Fraud and Risk Analyst

Company Overview

Job Overview

Join the Intuit Fintech Fraud Policy team as a Senior Staff Analyst leading our fight against Account Takeover (ATO) across the Small Business and Self-Employed Group (SBSEG) Money portfolio. Our products, including Payments, Payroll, Capital, Bill Pay, and Banking, are critical to the success of millions of small and mid-size businesses. ATO represents a significant and evolving threat, impacting both our customers (merchants) and their end-users (buyers, employees, payees). This high-visibility role requires a deep subject matter expert to own the end-to-end strategy, detection, and mitigation of ATO fraud across this diverse and vital product suite.

Responsibilities

• Own the End-to-End ATO Strategy: Develop, refine, and drive the comprehensive ATO prevention and detection strategy for all SBSEG Money products, balancing risk mitigation with customer experience.

• Lead ATO Detection & Policy Implementation: Design, implement, tune, and monitor sophisticated ATO detection policies leveraging a diverse toolkit, including machine learning models (both supervised and unsupervised), third-party vendor solutions (e.g., behavioral analytics, device intelligence), and adaptive step-up authentication strategies (MFA, OTP, biometrics).

• Deep Domain Expertise & Trend Analysis: Serve as the primary subject matter expert on ATO typologies, including sophisticated scams and social engineering tactics. Continuously analyze internal data and external intelligence to identify emerging ATO trends and proactively adapt our defenses.

• Cross-Functional Leadership: Partner closely with Data Science, Product Management, Engineering, Risk Operations, and Trust & Safety teams to build and deploy robust, scalable ATO solutions. Influence product roadmaps to incorporate necessary security features.

• Performance Monitoring & Reporting: Define, track, and report on key ATO risk KPIs (e.g., detection rates, loss impact, customer friction). Communicate strategy, performance, and emerging threats clearly to senior leadership.

• Incident Response: Play a key role in analyzing and responding to ATO incidents, ensuring swift mitigation and effective post-mortem analysis to inform future strategy.

Qualifications

• Deep ATO Domain Expertise: 7+ years of experience in fraud risk management, with at least 4+ years specifically focused on leading Account Takeover prevention and detection in a high-growth tech or financial services environment. Proven, in-depth understanding of ATO vectors, fraudster methodologies, scams, and social engineering tactics.

• Proven Strategic Leadership: Demonstrated track record of developing and executing successful, data-driven ATO risk strategies across multiple products or platforms.

• Hands-On Technical Skills:

  • Machine Learning: Experience in leveraging ML models for fraud detection (e.g., feature ideation, performance evaluation, partnership with data science on model development/tuning). Familiarity with both supervised and unsupervised techniques is highly desirable.

  • Vendor Solutions: Experience integrating, managing, and optimizing third-party fraud tools (e.g., device fingerprinting, behavioral biometrics, identity verification, consortium data).

  • Step-Up Authentication: Experience designing, implementing, and analyzing the effectiveness of various authentication methods (MFA, OTP, biometrics, etc.) in preventing ATO.

• Strong Analytical Foundation: Proficiency in data analysis using tools like SQL is essential. Experience with Python, R, or other statistical programming languages is a strong plus. Ability to translate complex data into actionable insights and policy recommendations.

• Exceptional Collaboration & Communication: Proven ability to influence cross-functional teams (including Product, Engineering, Data Science) and communicate complex topics clearly to both technical and non-technical audiences, including senior leadership.

• Bachelor's degree in a quantitative field (e.g., Statistics, Economics, Engineering, Computer Science) or equivalent practical experience. Master's degree preferred.

Intuit provides a competitive compensation package with a strong pay for performance rewards approach. This position will be eligible for a cash bonus, equity rewards and benefits, in accordance with our applicable plans and programs (see more about our compensation and benefits at Intuit®: Careers | Benefits). Pay offered is based on factors such as job-related knowledge, skills, experience, and work location. To drive ongoing fair pay for employees, Intuit conducts regular comparisons across categories of ethnicity and gender. The expected base pay range for this position is: