Fraud Strategy Decision Scientist

Posted Yesterday
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Dallas, TX, USA
Hybrid
Expert/Leader
Fintech • Information Technology • Payments • Productivity • Software • Travel • Automation
Travel & expense made easy.
The Role
Lead fraud strategy across Navan’s travel and expense platforms by designing production fraud rules, thresholds, workflows, and controls. Translate machine learning outputs into explainable decisions, analyze fraud patterns and losses, measure strategy performance, and drive experimentation. Partner with Data Science, Engineering, Product, and Fraud Operations to implement scalable real-time and batch strategies, evaluate vendors, improve detection capabilities, and mentor junior team members.
Summary Generated by Built In

Navan is expanding its Fraud Risk Management organization to build world-class fraud prevention and detection capabilities across our travel and expense platforms. We are seeking a Fraud Strategy Decision Scientist to lead data-driven fraud strategy initiatives focused on machine learning features, rules development, and scalable fraud controls.

This role is ideal for a Fraud Strategy Decision Scientist who blends strong data science intuition with practical fraud rule design, understands how models and rules work together in production, and can partner deeply with Product, Engineering, and Fraud Operations to reduce fraud losses while enabling business growth.

You will play a critical role in shaping Navan’s end-to-end fraud strategy, translating advanced analytics and ML outputs into actionable rules, thresholds, workflows, and policy decisions across expense card issuing, payments, onboarding, and travel fraud.

What You’ll Do

  • Own and drive fraud strategy for key risk areas across travel and expense, balancing fraud loss reduction with customer experience.
  • Design and evolve fraud rules, thresholds, and decision workflows, informed by data science models, ML features, and investigative insights.
  • Partner closely with Data Science teams to translate machine learning model outputs and features into effective, explainable fraud strategies.
  • Lead strategy development across onboarding, payments, expense submissions, and transaction monitoring.
  • Apply advanced analytics techniques (trend analysis, segmentation, clustering, network analysis) to identify emerging fraud patterns and control gaps.
  • Perform root-cause analysis and loss attribution, quantifying financial impact and prioritizing strategy improvements.
  • Own strategy performance metrics, including fraud loss, approval rates, false positives, and customer friction.
  • Collaborate cross-functionally with Fraud Operations to ensure strategies are operationally executable and continuously optimized.
  • Partner with Engineering and Product to implement fraud strategies into real-time and batch decisioning systems.
  • Drive experimentation and A/B testing of rules, thresholds, and model-driven strategies.
  • Contribute to the long-term fraud strategy roadmap, including tooling, rule engines, model integration, and automation.
  • Support vendor evaluations and third-party data integrations to enhance detection signals.
  • Mentor junior fraud strategists and analysts, setting best practices for strategy design, documentation, and governance.

What We’re Looking For

  • 7–10+ years of experience in fraud strategy, fraud analytics, or financial crime risk management.
  • Strong experience designing and managing fraud rules, policies, and decision strategies in production environments.
  • Deep understanding of how machine learning models and features are used to inform fraud decisions.
  • Proficiency in SQL and strong working knowledge of Python for analysis and strategy validation.
  • Experience working with large-scale data platforms such as Snowflake, Databricks, Spark, or similar.
  • Solid understanding of card payments, transaction flows, identity verification, and fraud typologies (ATO, synthetic identity, first-party fraud, third-party fraud, scams).
  • Demonstrated ability to partner effectively with Data Science, Engineering, Product, and Fraud Operations teams.
  • Strong analytical mindset with the ability to translate complex data into clear, actionable strategy decisions.
  • Excellent communication skills, including presenting strategy recommendations to senior leadership.
  • Experience in fintech, payments, travel, or e-commerce environments preferred.
  • Bachelor’s degree in a quantitative or analytical field; Master’s degree preferred.

Navan uses AI-assisted Automated Employment Decision Tool (Metaview) to assist with evaluating resumes against job qualifications for this role. All final decisions are made by human recruiters and hiring managers. 

Human oversight: Metaview does not automatically reject candidates or make final hiring decisions. Our recruiters and hiring managers review all outputs and make the final hiring decision regarding every application. 

  • Your rights: If you prefer to have your application reviewed without AI assistance, you may request a human evaluation by entering your email here. Your decision to do so will not affect how your candidacy is evaluated. 

Please refer to our Candidate Privacy Notice for more information about our processing of personal data, and your rights.

Skills Required

  • 7–10+ years of experience in fraud strategy, fraud analytics, or financial crime risk management
  • Experience designing and managing fraud rules, policies, and decision strategies in production environments
  • Understanding of machine learning models and features used to inform fraud decisions
  • Proficiency in SQL
  • Working knowledge of Python for analysis and strategy validation
  • Experience with large-scale data platforms such as Snowflake, Databricks, Spark, or similar
  • Understanding of card payments, transaction flows, identity verification, and fraud typologies including ATO, synthetic identity, first-party fraud, third-party fraud, and scams
  • Ability to partner with Data Science, Engineering, Product, and Fraud Operations teams
  • Strong analytical ability to translate complex data into actionable strategy decisions
  • Excellent communication skills, including presenting recommendations to senior leadership
  • Experience in fintech, payments, travel, or e-commerce environments
  • Bachelor’s degree in a quantitative or analytical field
  • Master’s degree

What the Team is Saying

Brian Guimond
Adamas Victória Cavalcante Robitz
Bastian Martino
Charlotte Delafosse
Daniella Schuh
Alice Rao-Wyckoff
Mily O Loughlin
Anna
Roshni
Henry Statfeld
Jose Soares

Navan Compensation & Benefits Highlights

  • Healthcare Strength — Medical, dental, and vision coverage for employees and families are explicitly offered, and healthcare is often characterized as a strong part of the package with mental‑health resources included. This breadth of core health benefits is consistently highlighted alongside lifestyle supports.
  • Leave & Time Off Breadth — Policies emphasize flexible/unlimited vacation in the U.S., with region‑specific structures such as five weeks of paid annual leave in the UK. This scope of time‑off options is presented as a clear advantage.
  • Parental & Family Support — Paid parental leave is structured at 16 weeks for birthing parents and 10 weeks for non‑birthing parents. This level of support is positioned as a meaningful benefit for families.

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The Company
HQ: Palo Alto, CA
3,300 Employees
Year Founded: 2015

What We Do

Navan (Nasdaq: NAVN) is the leading all-in-one business travel, payments, and expense management platform that makes travel easy for frequent travelers. From finding flights and hotels to automating expense reconciliation, with 24/7 support along the way, Navan delivers an intuitive experience travelers love and finance teams rely on. See how Navan customers benefit and learn more at navan.com.

Why Work With Us

At Navan, we’re never satisfied with the status quo, and we know breakthrough ideas come from diverse perspectives. We are committed to cultivating a workplace that reflects the diversity of the customers we serve while fostering leadership and innovation.

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Navan Offices

Hybrid Workspace

Employees engage in a combination of remote and on-site work.

In-person connections is the foundation of Navan, the connections forged through face-to-face interactions improve company culture and what we can achieve together. We operate on a hybrid working model, which we define as four days a week in-office.

Typical time on-site: 4 days a week
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