[Remote] Fraud Operations Specialist

Note: The job is a remote job and is open to candidates in USA. Clair is on a mission to create financial freedom for America's workers by providing a digital banking platform. They are seeking a Fraud Operations Specialist to identify and investigate fraud and suspicious financial activities, ensuring the protection of both the company and its users.ResponsibilitiesConduct investigations of high-risk or potential fraud activity, including platform abuse, suspicious financial movement patterns, and unauthorized device accessUse an investigative, holistic approach to analyze cases and make confident determinations that are fair, compliant, and risk-mitigatedWork across datasets and internal tooling to complete operational tasks including queue management, escalations, and dispute resolutionApply a solid understanding of money movement mechanics — ACH, Card Rails, RTP — and relevant consumer regulations including Reg E, NACHA, and Reg ZAnalyze and communicate data trends and patterns clearly to internal stakeholders, translating complex findings into actionable insightsLeverage tools such as Excel, Google Sheets, Snowflake, SQL, and Tableau to investigate cases and surface meaningful signalsCreatively solve problems by connecting data across sources to identify patterns that may not be immediately obviousSkills1–3 years of experience in fraud operations, financial crimes, risk, or a related fieldInvestigative mindset with the ability to assess the full picture of a case and make sound, well-documented decisionsComfortable working across multiple datasets and internal tools to complete fraud investigations and operational tasksSolid understanding of money movement mechanics (ACH, Card Rails, RTP) and consumer regulations (Reg E, NACHA, Reg Z)Strong analytical skills — able to identify trends and patterns in data and communicate findings clearly and effectivelyHands-on experience with data tools such as Excel, Google Sheets, Snowflake, SQL, or TableauExcellent written and verbal communication skills with the ability to clearly articulate investigative findings and recommendationsHands-on experience with fraud monitoring and investigation tools such as Alloy, Sardine, Sift, or Unit21Prior experience in fintech, payments, lending, or embedded financeFamiliarity with dispute resolution processes and chargeback workflowsBenefitsMedical, Dental, & Vision Coverage, with option to extend to your familyFully-paid parental leaveCompany-sponsored 401k, HSA, and FSAUnlimited vacation for salaried roles, generous PTO for hourly rolesWork from home setup allowanceAccess to your earnings every day on ClairCompany-sponsored short-term and long-term disability insuranceCompany OverviewClair is an AI-driven fintech company that makes payday simple with embedded On-Demand Pay. It was founded in 2019, and is headquartered in New York, NY, US, with a workforce of 51-200 employees. Its website is http://getclair.com/embedded.