Company Overview:
At Snap Finance, we believe everyone deserves access to the things they need, regardless of credit history. Since 2012, we've used data, machine learning, and a more human approach to create flexible financing solutions that help people move forward. We're proud of our inclusive, supportive culture, built on empowering our customers, partners, and team members alike. When our people thrive, so does our innovation.
If you're looking to make an impact and grow with a team that values you, come join us!
Job Description
We are seeking a highly analytical and proactive Fraud Program Manager to own and continuously strengthen our fraud detection program. This role is responsible for proactively identifying fraud risks, leading complex investigations, optimizing fraud detection strategies, and driving measurable improvements across the fraud lifecycle.
The ideal candidate thrives in a highly autonomous environment, takes ownership of outcomes, and leverages data, technology, and cross-functional partnerships to identify emerging fraud trends before they impact the business. This individual will play a key role in protecting the organization by enhancing fraud controls, improving detection capabilities, and partnering across Fraud Operations, Analytics, Product, and Engineering teams.
How you’ll make an impact:
Fraud Program Ownership
- Own a defined portion of the fraud program with accountability for quality, execution, and measurable business outcomes.
- Proactively identify emerging fraud risks and implement solutions before they become larger issues.
- Continuously evaluate fraud controls and recommend improvements that reduce fraud losses while minimizing customer friction.
- Drive initiatives from concept through implementation with minimal oversight.
Fraud Investigations & Analytics
- Conduct complex fraud investigations and account reviews using DataVisor and supporting analytical platforms.
- Utilize SQL to analyze large datasets, identify fraud patterns, uncover coordinated fraud rings, and establish relationships between accounts, devices, identities, and behaviors.
- Perform forensic investigations to identify emerging fraud typologies and recommend mitigation strategies.
- Analyze fraud trends and provide actionable recommendations based on investigative findings.
Fraud Detection & Rule Optimization
- Manage and maintain the DataVisor fraud rule inventory, including documenting, testing, monitoring, and communicating rule changes.
- Partner with Fraud Analytics to optimize fraud detection performance and improve rule effectiveness.
- Back-test mobile intelligence signals and detection strategies against known fraud rings to improve future fraud prevention.
- Continuously monitor fraud detection performance and recommend enhancements based on data-driven insights.
Cross-Functional Partnership
- Partner closely with Fraud Operations, Fraud Analytics, Product, Risk, and Engineering teams on coordinated fraud investigations and strategic initiatives.
- Participate in recurring fraud strategy sessions to identify opportunities for program improvement.
- Clearly communicate investigation outcomes, business impact, and recommendations to stakeholders across the organization.
- Document work using an output, outcome, and methodology framework to ensure transparency and knowledge sharing.
What you’ll need to succeed:
- Bachelor's degree in Business, Finance, Criminal Justice, Information Systems, Data Analytics, or a related field, or equivalent professional experience.
- Experience leading complex fraud investigations within financial services, fintech, banking, lending, or payments.
- Strong SQL skills with the ability to analyze data, investigate fraud patterns, and identify linked fraudulent activity. (Candidates should expect to complete a SQL assessment during the interview process.)
- Experience investigating organized fraud rings, account takeover, synthetic identity fraud, and other common fraud typologies.
- Strong analytical and critical thinking skills with the ability to solve complex problems independently.
- Excellent written and verbal communication skills with the ability to communicate technical findings to diverse audiences.
- Demonstrated ability to prioritize work, operate independently, and deliver high-quality results in a fast-paced environment.
- Experience partnering across multiple business functions to drive fraud prevention initiatives.
What would make you stand out:
- Experience using DataVisor for fraud investigations, rule management, and fraud detection optimization.
- Experience with mobile intelligence signals, device fingerprinting, behavioral analytics, and identity linkage.
- Experience designing, testing, and optimizing fraud detection rules.
- Knowledge of machine learning-assisted fraud detection models.
- Experience building fraud reporting, dashboards, and operational metrics.
- Demonstrated success reducing fraud losses through proactive program improvements and data-driven decision making.
- Previous experience in consumer lending, fintech, BNPL, or financial technology organizations
Why Join Us:
Generous paid time off
Competitive medical, dental & vision coverage
401K with company match for US
Company-paid life insurance
Company-paid short-term and long-term disability
Access to mental health and wellness resources
Company-paid volunteer time to do good in your community
Legal coverage and other supplemental options
A value-based culture where growth opportunities are endless
More:
Snap values diversity and all qualified applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status. Learn more by visiting our website at www.snapfinance.com.
California Residents, please review our California Consumer Privacy Act Notice at https://snapfinance.com/ccpa-notice
Skills Required
- Bachelor's degree in Business, Finance, Criminal Justice, Information Systems, Data Analytics, or related field, or equivalent professional experience.
- Experience leading complex fraud investigations within financial services, fintech, banking, lending, or payments.
- Strong SQL skills with ability to analyze large datasets and identify linked fraudulent activity (SQL assessment during interview).
- Experience investigating organized fraud rings, account takeover, synthetic identity fraud, and other fraud typologies.
- Strong analytical and critical thinking skills with ability to solve complex problems independently.
- Excellent written and verbal communication skills to convey technical findings to diverse audiences.
- Demonstrated ability to prioritize work, operate independently, and deliver high-quality results in a fast-paced environment.
- Experience partnering across multiple business functions (Fraud Operations, Analytics, Product, Engineering) to drive fraud prevention initiatives.
- Experience using DataVisor for fraud investigations, rule management, and detection optimization.
- Experience with mobile intelligence signals, device fingerprinting, behavioral analytics, and identity linkage.
- Knowledge of machine learning-assisted fraud detection models and building fraud reporting/dashboards.
Snap Finance Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Snap Finance and has not been reviewed or approved by Snap Finance.
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Healthcare Strength — Health coverage and protection programs include medical, dental, vision, and company‑paid life, AD&D, and short‑ and long‑term disability, with mental‑health support highlighted in some locations. Benefits materials also emphasize additional wellness resources and private insurance options in certain geographies.
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Leave & Time Off Breadth — Time off is described as generous and flexible, with options like flexible PTO, paid holidays, and location‑specific extras such as an added birthday day and holiday purchase schemes. Enhanced paid parental, adoption, and shared parental leave for eligible employees further expands time‑off support.
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Retirement Support — Retirement programs include a 401(k) with company match and a pension scheme with employer contributions in the UK. These offerings signal structured long‑term savings support across regions.
Snap Finance Insights
What We Do
Snap Finance is a rapidly growing digital-finance company that specializes in providing consumer financing and rent-to-own purchase options. This company is technology driven; the IT platform is the backbone for running our operations and is critical to driving cost efficiency. With over 10 years of experience in the financial industry, Snap provides merchandise financing to brick and mortar as well as e-commerce merchants. The Snap lease-purchase agreement is an innovative financial product which gives the 40% of consumers with poor credit an alternative to payday loans and other high-risk financial products to acquire needed or desired merchandise. Snap Finance secured the largest bank revolving credit facility ever for a private consumer lease-to-own company. The credit facility from BMO Harris Bank will enable Snap Finance to service more than $1 billion in lease-to-own finance agreements.
