Risk Operations Specialist

Imprint is reimagining co-branded credit cards & financial products to be smarter, more rewarding, and truly brand-first. We partner with companies like Rakuten, Booking.com, H-E-B, Fetch, Brooks Brothers, and Eddie Bauer to launch modern credit programs that deepen loyalty, unlock savings, and drive growth. Our platform combines advanced payments infrastructure, intelligent underwriting, and seamless UX to help brands offer powerful financial products—without becoming a bank.

Co-branded cards account for over $300 billion in U.S. annual spend—but most are still powered by legacy banks. Imprint is the modern alternative: flexible, tech-forward, and built for today’s consumer. Backed by Kleiner Perkins, Thrive Capital, and Khosla Ventures, we’re building a world-class team to redefine how people pay—and how brands grow. If you want to work fast, solve hard problems, and make a real impact, we’d love to meet you.

Robust risk strategy and risk operations sit at the heart of this branded credit card platform and enable delivery of credit/fraud losses in line with our risk appetite while providing outstanding experience to customers. These risk capabilities and processes are constantly evolving to have industry leading risk discrimination and foster a sustained source of competitive advantage for Imprint and value addition to our merchant partners. Risk decisioning via automated strategy rules and manual operations are done via a nimble and modern technology platform to enable decisioning of millions of customers and transactions with a very high degree of precision and accuracy.

The Risk Operations Specialist positions are key roles within the Fraud, Disputes, and Onboarding Operations team. Risk Operations Specialists assigned to Fraud Operations will make an impact by reviewing potentially fraudulent transaction activity, customer applications, and identity theft claims while communicating with our card holders and reporting trends to leadership. Risk Operations Specialists assigned to Dispute Operations will make an impact by resolving dispute claims through the lifecycle of the claim, monitoring accounts for abuse, and ensuring claims are resolved in accordance with regulatory guidelines. Risk Operations Specialists assigned to Onboarding Operations will make an impact by reviewing potentially fraudulent activity and misleading customer applications while communicating with our customers and customer service representatives.

• Monitor and action daily applications for account and credit establishment.

• Action existing account portfolio cases pended into the fraud queue. Review the information elements on these cases thoroughly and decision them for first party & third party fraud as per procedures.

• Monitor live transaction activity to identify high risk transaction activity stemming from first and third party fraud scenarios.

• Manage and resolve customer dispute claims from beginning to end, communicating with the account holder, reviewing documentation, and filing claims through the appropriate portals.

• Drive improved performance on established Fraud KPI’s achieving desired function objectives to drive reduction in fraud loss while reducing disruption and improving experience for genuine applicants.

• Manage multiple tasks effectively by balancing high productivity, sense of urgency and delivering quality decisions on cases reviewed.

• The schedule for this role will be for five days a work week but will fluctuate to ensure adequate team coverage Sun-Sat, 8am - 9pm EST.

• High School Diploma, GED, equivalent certification.

• 2+ years of experience in fraud investigations related to transaction monitoring, application review, disputes, and/or BSA/AML monitoring.

• Ability to dive into situations to identify patterns.

• Ability to work independently to resolve cases under service level agreements.

• Strong verbal and written communication skills.

• Strong analytical skills, particularly to track, understand and act to meet metrics and KPIs.

• Exceptional organization and attention to detail.

• Emphatic commitment to personal growth and development.

• Financial services industry experience.

• Certified Fraud Examiner or Certified Anti-Money Laundering Specialist.

• Prior experience at a high-growth startup.

• Competitive compensation and equity packages

• Leading configured work computers of your choice

• Flexible paid time off

• Fully covered, high-quality healthcare, including fully covered dependent coverage

• Additional health coverage includes access to One Medical and the option to enroll in an FSA

• 16 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents

• Access to industry-leading technology across all of our business units, stemming from our philosophy that we should invest in resources for our team that foster innovation, optimization, and productivity

Imprint is committed to a diverse and inclusive workplace. Imprint is an equal opportunity employer and does not discriminate on the basis of race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or other legally protected status. Imprint welcomes talented individuals from all backgrounds who want to build the future of payments and rewards. If you are passionate about FinTech and eager to grow, let’s move the world forward, together.