[Remote] Senior Fraud Analyst

Note: The job is a remote job and is open to candidates in USA. Félix is a hyper-growth Series B company building a financial ecosystem for Latin immigrants in the U.S. They are seeking a Senior Fraud Analyst for Consumer Lending to define, detect, and mitigate fraudulent behaviors related to their Send Now Pay Later product, ensuring secure and profitable growth.ResponsibilitiesFraud Definition & Mitigation: Define first-party fraud typologies specific to our conversational lending product and execute data-driven strategies to minimize exposure over timePayment & Chargeback Analytics: Own repayment fraud and chargeback analytics for SNPL payments, identifying trends, exploit loops, and implementing preemptive transaction blocksKPI Ownership: Drive and manage key fraud metrics (e.g., fraud rate, false positive ratios, chargeback-to-sales ratios) across the entire lending verticalOperational Policy Design: Partner closely with the Operations team to build, optimize, and scale automated block and manual investigation policiesAdvanced Risk Tooling: Liaison with the central Fraud and Data teams to build/refine Machine Learning models and orchestrate dynamic rules within our Taktile decisioning workflowsRegulatory & Compliance Liaison: Coordinate with the Legal & Compliance team to monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse patterns, and system exploitationSkills4+ years of hands-on experience in Fraud Risk Management, explicitly within consumer lending, digital wallets, or buy-now-pay-later (BNPL) ecosystemsHighly autonomous and advanced skills in SQL and data manipulation (Python/R or BI visualization tools) to extract and analyze transactional logs without needing hand-holdingPrior exposure or experience working with modern decision engines (such as Taktile, Provenir, or similar) and deploying machine learning risk modelsStrong cross-functional communication skills; ability to translate complex fraud patterns into clear business risks for operations, compliance, and engineeringA true builder mentality with an experimental spirit, capable of moving from data insights to policy execution with speed and absolute autonomyThese are the applicable requisites, although equivalent competencies in any of the above will also be consideredBenefitsCompetitive salaryInitial stock options grantAnnual performance bonusHealth, dental, and vision plansRemote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.Continuous learning opportunitiesUnlimited PTOPaid parental leaveEmpowering opportunities for growth in a dynamic entrepreneurial environmentCompany OverviewFélix is ​​a chat-based platform that enables Latinos in the US to send money abroad. It was founded in 2020, and is headquartered in San Francisco, California, USA, with a workforce of 51-200 employees. Its website is https://www.felixpago.com.