Lead the development of a fraud management function at Flex, overseeing the design of fraud detection programs, analytics, and cross-functional execution, ensuring growth while managing fraud risks.
Flex is building a finance super app for premium business owners — reimagining every single aspect of the financial workflow and financial services for any entrepreneur. The company has grown revenue 25x+ since publicly launching in September 2023 and is on track to achieve profitability by late 2025. Flex is focused on mid-market businesses ($3 - $100M revenue) that are largely overlooked by existing fintech solutions and reliant on slow and outdated regional banks. We are targeting a ~$1T revenue opportunity that is largely up for grabs.
Flex is a fully remote company and this role can be performed from anywhere.
We’re a fintech issuing unsecured credit cards and DDAs. You’ll work directly with the CRO to build a fraud management function — from green‑field design to day‑to‑day performance—leveraging third‑party providers and internal analytics to stop 1st‑party, 3rd‑party, and synthetic fraud balanced appropriately with growth objectives.
✅ What You’ll Do
- Program build: Design and stand up our multi‑layer fraud stack (application, account opening/funding, account takeover, transaction monitoring, disputes/chargebacks).
- Vendor strategy: Select, integrate, and tune identity, device, behavioral, and transaction‑risk providers; negotiate and measure ROI.
- Decisioning & analytics: Develop rules, features, and models; define thresholds to control false positives/negatives; run A/Bs and champion‑challengers.
- Data & signals: Operationalize bureau, banking, PII, device/IP, email/phone, telco, velocity, and network signals into a single decisioning framework.
- Program Quality & performance: Monitor precision, capture rate, approval impact, and loss basis points; calibrate and backtest.
- Cross‑functional execution: Partner with Product, Engineering, Data, Ops, and Compliance (KYC/AML, FCRA/GLBA, Reg E/Reg Z).
- Guide dispute strategy to minimize friendly/first‑party abuse.
⚡️What Makes You a Great Fit
- Identity / synthetic detection: SentiLink, Socure, LexisNexis Risk Solutions/ThreatMetrix, Experian CrossCore, Equifax/Kount, TransUnion TruValidate, Ekata (Mastercard), IDology.
- Document & biometric IDV: Onfido, Jumio, Veriff.
- Device / IP / reputation: Fingerprint (FingerprintJS), iovation/TruValidate, ThreatMetrix, MaxMind, IPQS, Arkose Labs.
- Banking & income data: Plaid, Finicity, Argyle, Pinwheel.
- Decisioning & case management: Alloy, Unit21, Sardine, Sift, Feedzai, Featurespace, FICO Falcon, Actimize, SAS FMS (examples).
- Network tools (issuer): 3‑DS 2.x, Visa/Mastercard issuer risk tools.
- Experience with graph/network features, device clusters, and behavioral biometrics.
👀 What We’re Looking For (requirements)
- 7+ years in issuer‑side fraud for cards and/or DDA/neobank (experience on the Consumer and Commercial side is a definite plus).
- Demonstrated build‑from‑scratch experience: stood up a new fraud stack or materially re‑platformed one.
- Hands‑on with SQL and practical Python/R for feature/rule prototyping and performance analysis.
- Depth in 1st‑party vs 3rd‑party vs synthetic patterns (e.g., bust‑out, thin‑file synths, ATO).
- Proven track record balancing loss bps versus approval rate and customer friction.
- Vendor evaluation and commercial ownership (pricing, SLAs, monitoring, deprecation).
- Comfort working independently; can own roadmap, write PRDs/specs, and ship with engineers.
Why Join Us
Flex is growing quickly — you’ll help shape the direction of a product and company with real momentum.
We’re well-capitalized with strong backing and a clear long-term vision.
You’ll work with a sharp, driven team that values autonomy, clarity, and quality.
Join ambitious builders who care deeply about winning together — and having fun while doing it.
Annual team on-sites. From Bogota to Mexico City, the entire Flex team gets together once a year to align and build camaraderie.
Top Skills
Actimize
Alloy
Argyle
Featurespace
Feedzai
Fico Falcon
Fingerprintjs
Finicity
Ipqs
Jumio
Maxmind
Onfido
Pinwheel
Plaid
Python
R
Sardine
Sas Fms
Sift
SQL
Threatmetrix
Unit21
Veriff
Similar Jobs
.png)
Artificial Intelligence • Blockchain • Fintech • Financial Services • Cryptocurrency • NFT • Web3
You will upgrade blockchain nodes, automate processes to enhance service effectiveness, and identify investment areas for further automation.
Top Skills:
AutomationBlockchainIntegration TestingService Oriented Architecture
Healthtech • Software
The Lead Analytics Engineer will design and implement data models, standardize semantic layers, enhance data quality, and mentor other engineers while ensuring compliance with healthcare standards.
Top Skills:
AWSDbtEmrGlueIcebergParquetS3SparkSQL
.png){kind=logo}
Fintech • Software • Financial Services
The Product Manager II will oversee the development of tax products, collaborating with teams, managing roadmaps, and ensuring timely delivery through Agile methodologies.
Top Skills:
Agile MethodologiesAi ToolsApi StandardsConfluenceJIRA
What you need to know about the Charlotte Tech Scene
Ranked among the hottest tech cities in 2024 by CompTIA, Charlotte is quickly cementing its place as a major U.S. tech hub. Home to more than 90,000 tech workers, the city’s ecosystem is primed for continued growth, fueled by billions in annual funding from heavyweights like Microsoft and RevTech Labs, which has created thousands of fintech jobs and made the city a go-to for tech pros looking for their next big opportunity.
Key Facts About Charlotte Tech
- Number of Tech Workers: 90,859; 6.5% of overall workforce (2024 CompTIA survey)
- Major Tech Employers: Lowe’s, Bank of America, TIAA, Microsoft, Honeywell
- Key Industries: Fintech, artificial intelligence, cybersecurity, cloud computing, e-commerce
- Funding Landscape: $3.1 billion in venture capital funding in 2024 (CED)
- Notable Investors: Microsoft, Google, Falfurrias Management Partners, RevTech Labs Foundation
- Research Centers and Universities: University of North Carolina at Charlotte, Northeastern University, North Carolina Research Campus
