tilthq - Lead Risk Investigator, Fraud

• 8+ years in fraud investigations, risk operations, or financial crimes, including direct experience running complex, multi-week investigations independently — not just working a queue. • Deep, practical mastery of fraud typologies across card, ACH, and P2P — account takeover, identity fraud, first- and third-party fraud, coordinated fraud rings, and payments fraud. • Practical working knowledge of consumer protection regulation as it applies to fraud and disputes — FCRA, Reg Z, Reg E — and comfort operating under BSA/AML referral processes. • A track record of taking a fraud investigation all the way through to a rule, control, or process change, and defending that reasoning under audit or regulatory scrutiny. • Comfort working in data — able to query and interpret fraud data (SQL or similar), build the analysis behind an investigation, and present it to both investigators and executives. • Experience with fraud and identity tooling such as Alloy, Socure, Persona, LexisNexis, Sardine, or close equivalents, including evaluating or helping select tools. • Strong written and verbal communication — able to translate a complex investigation into a clear, decision-ready narrative for leadership. • Experience in fintech, banking, or consumer lending under an active regulatory exam environment. • Experience operating as a senior IC or informal technical lead — setting standards and unblocking others’ casework without formal management authority. • Familiarity with credit bureau dispute processes (ACDV/e-Oscar) and how fraud-driven tradeline deletions flow through credit furnishing. • Certified Fraud Examiner (CFE) designation • OUR INTERVIEW PROCESS • 1. Initial recruiter call: A conversation to learn about your experience and what you’re looking for in your next role. • 2. Hiring manager interview: A deeper discussion with the Head of Risk Operations about your investigative background and how you’ve run complex, project-scale cases. • 3. Skills panel: A case-based conversation with Risk Ops team members — walk through a real fraud investigation you led end to end, including how you turned it into a rule or process change. • 4. Final conversation: A conversation with Risk Ops and cross-functional leadership to discuss fit, career goals, and how you’d operate as a senior IC on the team. • Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you. • WHAT YOU'LL GET AT TILT • Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement. • Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity. • Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards. • Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly. • Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.) • Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines. • We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the office, you're helping millions of hardworking people reach better financial futures. • You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.