Sr. Fraud Risk Strategies Analyst - Paze
Early Warning, New York, NY, United States
Company Overview
At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting‑edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.
Work Location & Schedule
Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.
Eligibility
All candidates must independently possess the eligibility to work in the United States, for any employer, at the date of hire. The position does not sponsor employment visas.
Overall Purpose
This role is accountable for analyzing, creating, and deploying rules, scores, and decision‑making logic from both internal and external fraud‑risk models and applications, and for ensuring an optimal balance of risk, expense, and customer experience across the payment network.
Essential Functions
Assess, recommend, and modify the application of scores and rules to deliver the optimal balance of risk, expense, and experience for clients, consumers, and partners.
Implement fraud detection and prevention strategies for the network.
Create data‑driven insights to continuously monitor effectiveness, efficiency, and opportunities in applying features, scores, rules, and logic to improve fraud‑risk strategy performance.
Develop clear, concise communications and presentations to internal stakeholders (Product, Engineering, Analytics, Risk teams) and external stakeholders (banking partners, merchants, third‑party vendors) regarding emerging risks, observed trends, and related opportunities.
Analyze fraud events to identify and consistently categorize root causes and identify control gaps and mitigation opportunities.
Monitor fraud trends, emerging threats, and attack patterns, and proactively recommend enhancements to rules, strategies, and controls.
Support the company’s commitment to protect the integrity and confidentiality of systems and data.
Minimum Qualifications
Bachelor’s degree or equivalent education/experience.
Minimum 5 years of fraud‑risk management experience.
SQL/SAS/Python competencies or comparable data analytics skills.
Proven track record of converting concepts to analysis to cases for change.
Strong written, verbal, and presentation skills; ability to communicate effectively to both technical and non‑technical audiences.
Experience with digital banking, payments, and/or payment networks.
Experience with financial institutions in fraud‑risk management.
Background and drug screen.
Preferred Qualifications
Certified Fraud Examiner (CFE) certification or similar credential.
Ability to operate with high autonomy and influence strategic decisions without direct authority.
Experience supporting enterprise fraud programs or large‑scale fraud platforms.
Physical Requirements
Normal office environment, primarily sedentary work. Requires extensive use of a computer and sitting for periods of approximately four hours, with occasional standing, walking, kneeling, and reaching. Must be able to lift up to 10 pounds occasionally. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Employee must be able to perform essential functions with or without reasonable accommodation.
Compensation
The base pay scale for this position is:
Phoenix, AZ / Chicago, IL / Washington, DC – $84,000 – $105,000 per year.
New York, NY / San Francisco, CA – $101,000 – $126,000 per year.
Additional incentives and benefits available.
Benefits
Healthcare Coverage – competitive medical (PPO/HDHP), dental, and vision plans, including HSA and FSA contributions.
401(k) Retirement Plan – 100% company safe harbor match on first 6% deferral.
Paid Time Off – flexible time off for exempt employees, generous PTO for non‑exempt employees, 11 paid company holidays, and a paid volunteer day.
12 weeks of paid parental leave.
Maven Family Planning – support for egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and return to work.
Equal Employment Opportunity
Early Warning Services, LLC (“Early Warning”) hires, retains, and promotes qualified candidates based on ability, potential, and qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status, or any other factor prohibited by law. The company also prohibits discrimination on other bases such as medical condition or marital status that are irrelevant to performance.
Pursuant to the San Francisco Fair Chance Ordinance, we consider qualified applicants with arrest and conviction records.
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At Early Warning, we’ve powered and protected the U.S. financial system for over thirty years with cutting‑edge solutions like Zelle®, Paze℠, and so much more. As a trusted name in payments, we partner with thousands of institutions to increase access to financial services and protect transactions for hundreds of millions of consumers and small businesses.
Work Location & Schedule
Positions located in Scottsdale, San Francisco, Chicago, or New York follow a hybrid work model to allow for a more collaborative working environment.
Eligibility
All candidates must independently possess the eligibility to work in the United States, for any employer, at the date of hire. The position does not sponsor employment visas.
Overall Purpose
This role is accountable for analyzing, creating, and deploying rules, scores, and decision‑making logic from both internal and external fraud‑risk models and applications, and for ensuring an optimal balance of risk, expense, and customer experience across the payment network.
Essential Functions
Assess, recommend, and modify the application of scores and rules to deliver the optimal balance of risk, expense, and experience for clients, consumers, and partners.
Implement fraud detection and prevention strategies for the network.
Create data‑driven insights to continuously monitor effectiveness, efficiency, and opportunities in applying features, scores, rules, and logic to improve fraud‑risk strategy performance.
Develop clear, concise communications and presentations to internal stakeholders (Product, Engineering, Analytics, Risk teams) and external stakeholders (banking partners, merchants, third‑party vendors) regarding emerging risks, observed trends, and related opportunities.
Analyze fraud events to identify and consistently categorize root causes and identify control gaps and mitigation opportunities.
Monitor fraud trends, emerging threats, and attack patterns, and proactively recommend enhancements to rules, strategies, and controls.
Support the company’s commitment to protect the integrity and confidentiality of systems and data.
Minimum Qualifications
Bachelor’s degree or equivalent education/experience.
Minimum 5 years of fraud‑risk management experience.
SQL/SAS/Python competencies or comparable data analytics skills.
Proven track record of converting concepts to analysis to cases for change.
Strong written, verbal, and presentation skills; ability to communicate effectively to both technical and non‑technical audiences.
Experience with digital banking, payments, and/or payment networks.
Experience with financial institutions in fraud‑risk management.
Background and drug screen.
Preferred Qualifications
Certified Fraud Examiner (CFE) certification or similar credential.
Ability to operate with high autonomy and influence strategic decisions without direct authority.
Experience supporting enterprise fraud programs or large‑scale fraud platforms.
Physical Requirements
Normal office environment, primarily sedentary work. Requires extensive use of a computer and sitting for periods of approximately four hours, with occasional standing, walking, kneeling, and reaching. Must be able to lift up to 10 pounds occasionally. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers. Employee must be able to perform essential functions with or without reasonable accommodation.
Compensation
The base pay scale for this position is:
Phoenix, AZ / Chicago, IL / Washington, DC – $84,000 – $105,000 per year.
New York, NY / San Francisco, CA – $101,000 – $126,000 per year.
Additional incentives and benefits available.
Benefits
Healthcare Coverage – competitive medical (PPO/HDHP), dental, and vision plans, including HSA and FSA contributions.
401(k) Retirement Plan – 100% company safe harbor match on first 6% deferral.
Paid Time Off – flexible time off for exempt employees, generous PTO for non‑exempt employees, 11 paid company holidays, and a paid volunteer day.
12 weeks of paid parental leave.
Maven Family Planning – support for egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and return to work.
Equal Employment Opportunity
Early Warning Services, LLC (“Early Warning”) hires, retains, and promotes qualified candidates based on ability, potential, and qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status, or any other factor prohibited by law. The company also prohibits discrimination on other bases such as medical condition or marital status that are irrelevant to performance.
Pursuant to the San Francisco Fair Chance Ordinance, we consider qualified applicants with arrest and conviction records.
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