Senior Fraud Analyst

Mudflap

. Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products .

Posted 9/18/2026full-timePalo Alto • California • United StatesSenior💰 $145,000 - $195,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in developing and optimizing fraud strategies within payment ecosystems, utilizing SQL and Python for advanced analytics. Capable of balancing fraud prevention with customer experience and profitability while collaborating with cross-functional teams.

Highest-signal resume keywords

Fraud Strategy DevelopmentSQL ProficiencyPython ProgrammingFraud Detection ModelsPayments Ecosystem Familiarity

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud StrategyRisk ManagementData AnalysisLoss ManagementFraud ControlsMonitoring FrameworksKPI DefinitionTransaction Data AnalysisDashboard DevelopmentEmerging Fraud Patterns

Soft Skills

Strong JudgmentHigh OwnershipCuriosityAdaptability

Tools & Technologies

Fraud Detection ToolsData SourcesReporting Dashboards

Industry Keywords

FintechHigh-Volume PaymentsCard PaymentsACHDigital Payments

Tech Stack

Tools & technologies

PythonRuby on RailsSQL

About the role

Key responsibilities & impact

Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products
Identify emerging fraud patterns and translate insights into scalable rules, controls, and policies
Partner with Data Science to develop, evaluate, and improve fraud detection models
Use SQL, Python, and advanced analytics to uncover fraud trends, vulnerabilities, and opportunities
Define fraud KPIs, loss thresholds, and monitoring frameworks tied to risk appetite and unit economics
Build dashboards and reporting that surface emerging risks and measure strategy effectiveness
Partner with Product and Engineering to embed fraud controls into new products and customer experiences
Evaluate and implement third-party fraud tools, data sources, and detection capabilities
Develop fraud strategies that enable safe expansion into new payment rails, including ACH
Balance fraud prevention, customer friction, growth, and profitability as Mudflap scales

Requirements

What you’ll need

5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or a high-volume payments business
Hands-on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss management
Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred
Experience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causes
Strong judgment balancing fraud loss, customer friction, growth, and profitability
Experience partnering with Data Science, Product, Engineering, and Operations to implement fraud solutions
Familiarity with card payments, ACH, digital payments, or other complex payment ecosystems
Ability to turn ambiguous data into clear recommendations and action
High ownership, curiosity, and comfort operating in a fast-changing environment
Must currently reside in the U.S. and be legally authorized to work in the United States
Must not require sponsorship for employment visa status

Benefits

Comp & perks

Commuter benefits
Lunches and snacks
Collaborative, high-growth environment
Competitive salary and equity in a high-growth startup
Multiple health benefit options
Responsible Time Off
401(k) matching
Opportunities and support for major career growth
Annual Company offsite event (Mudfest!)