Fraud Investigations Analyst
ID.me, Mc Lean, VA, United States
ID.me is the next-generation digital identity wallet that simplifies how individuals securely prove their identity online. Consumers can verify their identity with ID.me once and seamlessly login across websites without having to create a new login and verify their identity again. Over 152 million users experience streamlined login and identity verification with ID.me at 20 federal agencies, 45 state government agencies, and 70+ healthcare organizations. More than 600+ consumer brands use ID.me to verify communities and user segments to honor service and build more authentic relationships. ID.me’s technology meets the federal standards for consumer authentication set by the Commerce Department and is approved as a NIST 800-63-3 IAL2 / AAL2 credential service provider by the Kantara Initiative. ID.me is committed to “No Identity Left Behind” to enable all people to have a secure digital identity.
Role Overview ID.me is looking for an
Fraud Investigations Analyst
to join our organization as an execution-focused individual contributor. This role centers on investigating account takeover (ATO) activity, analyzing fraud signals, and supporting detection efforts that protect millions of users.
ID.me is seeking someone who goes beyond basic case handling and can analyze trends, identify patterns across multiple accounts, and leverage data to inform investigations. As an Analyst, you will work across fraud detection tools, datasets, and risk systems to uncover coordinated fraud activity and contribute to improving detection capabilities.
This role is based out of our McLean, VA office and requires full‑time in‑office attendance.
Responsibilities
Investigate account takeover (ATO) activity using fraud indicators, behavioral signals, and transaction data
Analyze patterns across multiple accounts to identify coordinated or emerging fraud trends (not just single‑account reviews)
Use SQL, Python, or similar tools to query datasets and support investigations
Leverage fraud detection tools and risk‑scoring systems to identify suspicious activity
Execute investigations and document findings, escalating higher‑risk or complex cases as needed
Support tuning and optimization of fraud detection rules, alerts, and signal usage
Partner with cross‑functional teams to improve fraud detection coverage and data quality
Monitor trends in ATO activity and contribute to ongoing detection strategy improvements
Leverage AI/LLM tools to accelerate investigations, including querying data, identifying patterns, and summarizing fraud activity across accounts
Basic Qualifications
Bachelor’s degree from an accredited institution; preferred fields include quantitative disciplines such as Economics, Computer Science, Statistics, Mathematics, or similar
2+ years
of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with exposure to account takeover (ATO)
1+ years
of experience using SQL, Python, or similar tools to analyze fraud data or investigate trends
1+ years
of hands‑on experience using fraud detection tools, machine learning models, or risk‑scoring methodologies
1+ years
of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
Familiarity with using AI/LLM tools (e.g., ChatGPT, Claude) to support data analysis or investigative workflows
Preferred Qualifications
Experience working at a fintech company, technology company, or reputable financial institution
Experience analyzing organized fraud rings or large‑scale fraud patterns
Familiarity with machine learning–driven fraud detection systems or AI‑assisted analysis
Pay Range: $80,000 - $93,000 USD
ID.me offers comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts), basic and voluntary life and AD&D insurance, 401(k) with company match, parental leave, ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays, short and long‑term disability insurance, accident and critical illness insurance, referral bonus policy, employee assistance program, pet insurance, travel assistant program, wellbeing and childcare discounts, benefit advocates, and a learning and development benefit.
ID.me maintains a work environment free from discrimination, where employees are treated with dignity and respect. All ID.me employees share in the responsibility for fulfilling our commitment to equal employment opportunity. ID.me does not discriminate against any employee or applicant on the basis of age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations and ordinances. ID.me adheres to these principles in all aspects of employment, including recruitment, hiring, training, compensation, promotion, benefits, social and recreational programs, and discipline. In addition, ID.me's policy is to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by applicable laws, regulations and ordinances where a particular employee works. Upon request we will provide you with more information about such accommodations.
ID.me participates in E-Verify.
#J-18808-Ljbffr
Role Overview ID.me is looking for an
Fraud Investigations Analyst
to join our organization as an execution-focused individual contributor. This role centers on investigating account takeover (ATO) activity, analyzing fraud signals, and supporting detection efforts that protect millions of users.
ID.me is seeking someone who goes beyond basic case handling and can analyze trends, identify patterns across multiple accounts, and leverage data to inform investigations. As an Analyst, you will work across fraud detection tools, datasets, and risk systems to uncover coordinated fraud activity and contribute to improving detection capabilities.
This role is based out of our McLean, VA office and requires full‑time in‑office attendance.
Responsibilities
Investigate account takeover (ATO) activity using fraud indicators, behavioral signals, and transaction data
Analyze patterns across multiple accounts to identify coordinated or emerging fraud trends (not just single‑account reviews)
Use SQL, Python, or similar tools to query datasets and support investigations
Leverage fraud detection tools and risk‑scoring systems to identify suspicious activity
Execute investigations and document findings, escalating higher‑risk or complex cases as needed
Support tuning and optimization of fraud detection rules, alerts, and signal usage
Partner with cross‑functional teams to improve fraud detection coverage and data quality
Monitor trends in ATO activity and contribute to ongoing detection strategy improvements
Leverage AI/LLM tools to accelerate investigations, including querying data, identifying patterns, and summarizing fraud activity across accounts
Basic Qualifications
Bachelor’s degree from an accredited institution; preferred fields include quantitative disciplines such as Economics, Computer Science, Statistics, Mathematics, or similar
2+ years
of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with exposure to account takeover (ATO)
1+ years
of experience using SQL, Python, or similar tools to analyze fraud data or investigate trends
1+ years
of hands‑on experience using fraud detection tools, machine learning models, or risk‑scoring methodologies
1+ years
of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
Familiarity with using AI/LLM tools (e.g., ChatGPT, Claude) to support data analysis or investigative workflows
Preferred Qualifications
Experience working at a fintech company, technology company, or reputable financial institution
Experience analyzing organized fraud rings or large‑scale fraud patterns
Familiarity with machine learning–driven fraud detection systems or AI‑assisted analysis
Pay Range: $80,000 - $93,000 USD
ID.me offers comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts), basic and voluntary life and AD&D insurance, 401(k) with company match, parental leave, ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays, short and long‑term disability insurance, accident and critical illness insurance, referral bonus policy, employee assistance program, pet insurance, travel assistant program, wellbeing and childcare discounts, benefit advocates, and a learning and development benefit.
ID.me maintains a work environment free from discrimination, where employees are treated with dignity and respect. All ID.me employees share in the responsibility for fulfilling our commitment to equal employment opportunity. ID.me does not discriminate against any employee or applicant on the basis of age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations and ordinances. ID.me adheres to these principles in all aspects of employment, including recruitment, hiring, training, compensation, promotion, benefits, social and recreational programs, and discipline. In addition, ID.me's policy is to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by applicable laws, regulations and ordinances where a particular employee works. Upon request we will provide you with more information about such accommodations.
ID.me participates in E-Verify.
#J-18808-Ljbffr