Fraud Analyst III - Fraud Operations

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.

Role Description:

The Fraud Analyst III is a senior fraud operations role responsible for day-to-day fraud review, complex investigations, escalation handling, and quality execution across assigned fraud workflows. The role serves as a key bridge between frontline fraud operations and broader fraud control improvement efforts. The Fraud Analyst III will surface trends and control gaps observed through investigations, provide practical recommendations to Fraud Strategy and partner teams, and help raise team performance through coaching, case review, and quality standards. This role does not directly own production tuning decisions, but it plays an important advisory role in identifying where changes may improve risk coverage, operational efficiency, and alert quality.

In this role you will:

• Own daily fraud review, investigations, and casework across assigned queues and escalations

• Handle higher-complexity alerts and support sound, consistent fraud decisioning

• Identify fraud trends, control gaps, and operational pain points from hands-on case experience

• Provide advisory input on alert and rule performance to support tuning and fraud strategy work

• Produce recurring reporting and concise trend insights for operational visibility

• Train and support Fraud Analyst I and II team members to strengthen investigative consistency, documentation quality, and sound alert-clearing judgment across the Fraud team

• Perform other duties as assigned

Qualifications:

• 7+ years of experience in fraud operations, fraud investigations, or financial crimes operations

• Strong experience working fraud alerts, investigations, cases, and escalations in a production environment

• Demonstrated ability to exercise sound judgment in higher-complexity fraud reviews and case decisions

• Experience identifying patterns in casework and translating findings into practical control or rule recommendations

• Experience analyzing alert performance and providing tuning or workflow improvement recommendations

• Experience producing or maintaining recurring fraud reporting, metrics, or dashboards

• Experience conducting quality review, calibration, coaching, or similar case quality oversight work

• Experience with SAR investigations, SAR case development, SAR narrative support, or work that contributes to suspicious activity reporting

• Demonstrated ability to train, coach, or support junior analysts in a fast-paced operational environment

• Comfortable working across multiple stakeholders and balancing risk, customer impact, and operational practicality

What we offer:

• At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life

• Competitive compensation, including opportunities for equity grants and cash bonus, based on experience, geographic location, and role

• Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA

• Paid parental leave

• Flexible vacation policy, including PTO and paid holidays

• A fun and challenging team environment in a dynamic industry with ample opportunities for career growth

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

**Our compensation reflects the cost of labor across several US geographic markets. Pay is based on a number of factors and may vary depending on geographical market location, job-related knowledge, skills, and experience. These ranges may be modified in the future.

Zone 1: $100,000 - $120,000 (SF/Bay Area, NYC, Seattle)

Zone 2: $84,000 - $99,000 (Los Angeles, Chicago, Austin, Denver, Boston, Washington DC, San Diego, Philadelphia, Portland, Sacramento)

Zone 3: $81,000 - $96,000 (Other US Metros)