- Investigate identity risk signals across onboarding and account lifecycle (synthetic identity, compromised credentials, risky device/email/phone patterns) and build detection logic and monitoring to catch bad actors early
- Improve KYC/fraud decisioning and verification workflows, balancing fraud prevention with approval rate and member experience
- Partner with Compliance on identity-related controls, escalation paths, and documentation standards
- Monitor and investigate fraud patterns across checkout/payment surfaces — first-party fraud, promo abuse, anomalous purchase behavior
- Ship detection rules, velocity controls, and step-up triggers that reduce loss without adding member friction
- Develop and continuously optimize 3DS policies and routing to improve fraud outcomes without degrading conversion, in partnership with payment processors and issuer stakeholders
- Investigate ATO cases end-to-end to identify compromise vectors and repeatable patterns
- Harden authentication and account recovery flows using risk-based decisioning (step-up, device trust, velocity/behavioral flags)
- Define and iterate on detection logic and response playbooks covering containment, member communications, and monitoring
- Work hands-on with our fraud stack to build and tune rules, signals, decisioning logic, and case workflows
- Help evaluate new vendors and tooling as the program scales
- Serve as fraud SME in product and engineering discussions and maintain operating rhythms with CX, Compliance, and partners for escalations and post-mortems
- 3 – 5+ years in fraud prevention, risk strategy, or fraud analytics — ideally in fintech, payments, banking, or e-commerce
- Demonstrated experience in either (or ideally both): identity/KYC + account integrity risk, and/or checkout / e-commerce-style payment fraud (behavioral + transaction patterns, velocity, abuse tactics)
- Analytical mindset: you can pull the data you need (or work with partners to get it), use AI tools to accelerate analysis and investigation, and pressure-test results; basic SQL familiarity preferred
- Proven track record shipping production mitigations (rules/decisioning/workflows), not just investigating
- Clear communicator who can translate fraud risk into language that resonates with product, compliance, CX, and external partners
- High ownership: you find what's wrong, prioritize the work, and drive it to resolution
- Compensation - We offer a competitive salary with a meaningful stake in the company via equity and our performance bonus program.
- Medical Insurance (for you and your loved one) - We offer a variety of different subsidized medical plans (with dental and vision), including a free HDHP with a company-sponsored HSA contribution. We have you covered from Day 1.
- Wellness Benefits - Enjoy a One Medical Membership, Wellhub (Gympass) Access, family planning programs and more, on us.
- 401k plan with a match - Retirement may feel more like a pipe dream than a reality but we’re here to help you get there.
- Commuter FSAs - We believe the best ideas come from being together in one place. We just don’t think getting there should be so expensive.
- UNLIMITED PTO - Because we believe that working hard shouldn’t mean always working. Take time for yourself as often as you need it.
- Exclusive Employee only Bilt Points - We give our employees unique opportunities to earn points throughout their time at Bilt.
- Team Events - We believe in human connection so we hold events to help our employees break from the monotony of the typical work week.
Top Skills
What the Team is Saying
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What We Do
Bilt Rewards is the first loyalty program that rewards members on rent and in their neighborhood, no matter where they live. Bilt Members can earn points and access exclusive benefits on rent payments, condo & co-op fees, and around their neighborhood at local restaurants, fitness studios, rideshare, pharmacy, and more. Ranked the highest-value point currency by top publications, Bilt Points can be transferred 1:1 to major airline and hotel programs or used towards rent payments, shopping, fitness, and even a down payment on a home. Members also get access to credit-building benefits, member-only experiences, and an Elite Status program. In partnership with the top multifamily owners & operators across the country, we’ve also created the Bilt Rewards Alliance, a network of 4M+ apartments and homes across the country. Residents who live in the Bilt Rewards Alliance make payments directly through the Bilt Payment Center and get access to benefits including additional earn opportunities on new leases, renewals, and more. While Bilt Members can use any debit or credit card to earn points and access their benefits, Bilt has partnered with Mastercard and Wells Fargo to create the Bilt Mastercard® - the first and only credit card that lets you pay rent and earn points without the transaction fee.
Why Work With Us
Bilt Rewards is revolutionizing how people pay rent by rewarding them at home and in their neighborhoods. Here, you'll shape the future of rewards programs while working in a high-impact, fast-paced startup environment. Join our collaborative culture, learn from industry experts, and grow your career while making a meaningful difference.
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Bilt Offices
OnSite Workspace
We’re an in-person company where energy and collaboration fuel our creativity, agility, and speed. With most of our team in the office 4-5 days a week, we create an environment that sparks new ideas and drives our momentum forward.
