Tala

Fraud Strategist

Job Description

We are seeking a proactive and skilled Fraud Strategist to join our dynamic team. In this critical role, you will be responsible for leading data-driven fraud investigation and mitigation efforts within your designated markets. You will play a key part in driving SQL-based investigations to mitigate fraud losses, while also acting as the primary point of escalation for all fraud data related concerns. Success in this position requires a strong, collaborative spirit, as you will work daily with cross-functional teams, including Product, Analysts, Operators, Engineers, Customer Care, and Compliance, to protect our company and customers from financial fraud.


What You'll Do
  • Fraud Investigation & Mitigation
  • Proactive Detection: Monitor and analyze transaction data to identify emerging fraud patterns and anomalies within the Philippines, Vietnam, and Indian markets.
  • Incident Management: Lead the end-to-end response to fraud attacks, from initial identification and quantification to the recommendation of mitigation logic.
  • Risk Modeling: Design and implement robust fraud rules and logic to minimize false positives while maximizing the detection of illicit activity.
  • Analytic Excellence
  • Data Synthesis: Leverage SQL and Python to conduct deep-dive analyses on large-scale datasets, transforming concerning data trends into actionable business intelligence.
  • Performance Monitoring: Develop and maintain automated dashboards to track real-time fraud exposure and health metrics.
  • Ad-Hoc Support: Serve as a subject matter expert for fraud data, fulfilling complex data requests for the KYC and Identity Product squads.
  • Timely Fraud Loss Mitigation
  • Rapid Response: Execute high-velocity interventions to mitigate ongoing fraud incidents, directly protecting company revenue and user trust.
  • Continuous Improvement: Regularly audit and refine existing fraud rules to adapt to the evolving threat landscape in high-growth markets.
  • Proactive Detection: Build fraud rules to detect abuse in new markets and products, balancing good user impact. 
    • Global & Cross-Functional Collaboration
  • Stakeholder Alignment: Act as a strategic partner to Product, Engineering, and Operations teams to integrate fraud mitigations into the product lifecycle.
  • Data Storytelling: Present weekly and monthly fraud loss performance and incident updates to Market and Product leadership.
  • Global Integration: Maintain consistent communication with a globally distributed team, ensuring alignment on mitigation strategies across different time zones.
  • Must be able and willing to work at least two hours during East Coast US business hours to ensure effective communication and collaboration with global teams.

    • What You'll Need
  • 2+ years experience as a Fraud or Risk Analyst or Investigator in financial services or a related field within the fintech or digital lending industry. 
  • Advanced proficiency in SQL and Python for querying large-scale datasets, performing complex data transformations, and automating fraud detection workflows.
  • Experience identifying issues, analyzing root causes, and implementing effective solutions to improve global team efficiency and reduce fraud losses. 
  • Proven track record of recognizing fraud trends and properly escalating material fraud trends to leaders and peers in a timely manner. Ability to analyze data using existing tools to confirm fraud, identify trends, and measure the effectiveness of fraud controls
  • Deep understanding of financial fraud typologies specific to fintech and small loan lending, such as identity theft, scam, account takeover, synthetic identity fraud, and other first-party fraud methods.
  • Familiarity with the fraud lifecycle, from prevention and detection to investigation and recovery. 
  • Working hours must overlap during North American East Coast hours for at least 2 hours daily to work directly with globally disbursed colleagues. This role may require on-call scheduling during rare times of incidents. 

    • Apply Now
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