Current is a leading U.S. fintech serving people who have been overlooked by traditional banks and is one of the fastest growing companies with over 4 million members. Headquartered in NYC, our results-driven culture enables us to build better products, grow faster, and empower everyone on our team to have an impact on our business and our mission to improve financial outcomes for our members. ABOUT THE ROLE: We are looking for a Director of Fraud Risk to join our team and lead Current’s fraud (new account, ongoing account takeover, first party fraud, merchant and other types of fraud), transaction risk fraud and disputes strategy and analytics. The key objectives of this role are to maximize growth while minimizing financial losses and risk operational costs. This is a critical role for the company at a time of rapid scale, and requires a leader with exceptional analytical skills and a business owner mentality. This role reports directly to the VP of Risk and Operations. KEY RESPONSIBILITIES: Recruit, develop and manage Fraud strategy and analytics teams to drive Company and role objectives Develop strategy for risk capabilities (automated and manual) that will drive growth while minimizing risk including onboarding (authentication, KYC) and ongoing (ATO, transaction, first party fraud) account fraud, card and money movement transaction risk, debit and credit disputes processing and loss prevention and mitigation Collaborate with Engineering, Product, and Data teams and other internal and external partners to deliver the new capabilities, risk models and policies and policy changes on the Risk roadmap Forecast, manage and be accountable for total cost of risk including loss prevention and detection costs and cost of false positives to maximize risk adjusted returns Work closely with Finance to ensure a well managed process for provisioning, true-up and release of loss allowances Set and deliver the roadmap that includes end to end discovery, including exploratory analysis, business case development, experimental design, performance forecasting and monitoring, model development and monitoring, and incident management. The role will be working closely with a dedicated data analytics team to deliver on the vision and scope. Power the vision for fraud analytics. Identify and exploit emerging tools, capabilities, and/or data sources which will drive a strategic advantage for Current. Leverage subject matter expertise in regulations and external partners / value chains e.g. VISA, KYC Partners, Money-Movement Partners, and offshore vendors in order to deliver business results. Develop and own relevant vendor relationships. Partner with Fraud Operations and Compliance teams to ensure compliance, including procedure documentation and adherence. About You Fraud leader - Has experience in Fraud risk domain throughout the lifecycle of deposit, money movement and credit products Critical thinker - you consider problems from all angles to remove bias and touch bottom on key assumptions Intellectually curious - you seek to understand the why behind the numbers and love nerding out over a new insight Results-oriented - You ground contributions in real business and customer impact and prioritize effectively to maximize speed-to-impact. Fast learner - you have no problem picking up new skills or tools to get the job done. Exceptional written and oral communication skills. You drive consensus through grounded arguments, interpersonal skills, and negotiation skills. Creative problem-solver - able to identify obstacles and present viable solutions Thrive when working in a fast-moving, ambiguous environment Excited by large breadth of problem areas Requirements 8+ years of progressive experience in analytics functions, including at least 4-6 years as an individual contributor performing quantitative analysis Prior experience in fraud, disputes/chargebacks, and payment processing in consumer fintech, deposit and credit businesses is required Undergraduate Degree with a quantitative major in Statistics, Economics, Computer Science, Mathematics, or related field. Expert in exploratory and business analysis, experimental design, risk modeling, profitability drivers / unit economics Exceptional written and oral communication skills. Strong people leader and collaborator. Able to handle competing priorities and influence leadership decision-making. This role has a base salary range of $220,000.00 to $280,000.00. Compensation is determined based on experience, skill level, and qualifications, which are assessed during the interview process. Current offers a competitive total rewards package which includes base salary, equity, and comprehensive benefits. BENEFITS: Meaningful equity in the form of stock options 401(k) Discretionary performance bonus program Biannual performance reviews Medical, Dental and Vision premiums covered at 100% for you and your dependents Flexible time off and paid holidays Generous parental leave policy Fitness benefits Healthcare and Dependent care FSA benefit Employee Assistance Programs focused on mental health Healthcare advocacy program for all employees Access to mental health apps Team building activities Our modern Chelsea-based office with open floor plan, stocked kitchen, and catered lunches Create a Job Alert Interested in building your career at Current? Get future opportunities sent straight to your email. 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