Fraud Analyst – P2P Payments & Cash Advance

Job Overview

As a Fraud Analyst specializing in P2P payments and cash advances, you will work directly with transaction data, account activity, investigation tools, and fraud intelligence to uncover suspicious behavior.

The role covers multiple fraud types, including account takeover, social engineering scams, synthetic identity activity, unauthorized transactions, and first-party or friendly fraud. You will also partner with risk strategy teams to improve detection rules, model features, and operational monitoring.

Key Responsibilities

• Review high-risk peer-to-peer transfers and cash advance requests each day.
• Investigate suspicious transactions, accounts, and behavioral patterns.
• Take appropriate action on confirmed or highly suspicious activity, including declining transactions or restricting accounts.
• Identify account takeover attempts, social engineering scams, synthetic identity activity, and first-party fraud.
• Analyze emerging fraud trends and determine where current controls may be insufficient.
• Recommend improvements to fraud detection rules and prevention strategies.
• Partner with the Risk Strategy team to test new fraud rules and machine learning model features.
• Connect information across multiple data sources to identify hidden relationships and organized fraud rings.
• Create and maintain dashboards for fraud loss, false-positive rates, operational service levels, and related performance indicators.
• Report findings, patterns, and control recommendations to leadership.
• Make timely, well-supported decisions in a rapidly changing fraud environment.
• Explain complex fraud activity to technical and non-technical stakeholders.

Required Qualifications

• Between 24 and 48 months of experience in fraud investigations, risk management, or trust and safety.
• Relevant experience within fintech, banking, payments, or a closely related financial services environment.
• Strong understanding of peer-to-peer payment networks such as Zelle, Venmo, Cash App, or ACH-based payment systems.
• Knowledge of short-term credit or cash advance products.
• Experience investigating financial fraud and suspicious account activity.
• Proficiency in SQL for fraud analysis and data investigation.
• Proficiency in Python for data analysis, investigation, or automation.
• Ability to combine and interpret information from multiple data sources.
• Strong analytical judgment and the ability to make fast, accurate decisions under pressure.
• Excellent written and verbal communication skills.
• Ability to present fraud findings clearly to colleagues without a technical background.

Preferred Qualifications

• Experience using modern fraud prevention platforms.
• Familiarity with identity verification vendors.
• Experience supporting fraud rule optimization or machine learning-based detection systems.
• Knowledge of fraud controls for instant money movement products.

Core Fraud Focus Areas

• Peer-to-peer payment fraud.
• Cash advance fraud.
• Account takeover.
• Social engineering scams.
• Synthetic identities.
• Friendly and first-party fraud.
• Transaction monitoring.
• Fraud rule optimization.
• Fraud loss analysis.
• False-positive reduction.

Technical Skills

• SQL.
• Python.
• Fraud analytics.
• Dashboard creation.
• Transaction investigation.
• Risk monitoring.
• Data pattern analysis.
• Machine learning feature evaluation.

Work Arrangement

• Remote position within the United States.
• Fast-paced fraud operations environment.
• Regular collaboration with Risk Strategy and other internal teams.
• Work centered on rapidly evolving payment and fintech fraud patterns.

Compensation and Benefits

The stated annual on-target earnings range for this position is $72,000 to $98,000, including base and variable compensation.

Final compensation may vary based on experience, education, qualifications, and market alignment. Exceptional candidates may be considered outside the listed range.

Eligible employees may receive benefits including:

• Unlimited paid time off.
• Volunteer hours and sabbatical opportunities.
• Medical, dental, and vision insurance.
• Life insurance and short-term and long-term disability coverage.
• 401(k) plan with employer match.
• Discounted Life Time gym membership.
• Career growth within a fast-growing fintech company.

About Sezzle

Sezzle is a financial technology company focused on helping consumers access flexible, interest-free installment payment options while supporting merchant growth through improved conversion and higher order values.

The Fraud Analyst will contribute to this mission by protecting customers, reducing financial losses, and strengthening trust across Sezzle’s payment and cash advance products.