Current Job Openings


New Account Fraud Strategist - Charlotte, NC

Credit Karma is a mission-driven company, focused on championing financial progress for our more than 100 million members in the U.S., Canada and U.K. While we're best known for pioneering free credit scores, our members turn to us for tips as they work on their financial goals, including helping them monitor their credit, identity monitoring, searching for credit cards, shopping for loans (car, home and personal), filing their taxes with Credit Karma Tax and growing their savings* -- all for free. Credit Karma has grown significantly through the years: we've added more than 70 million members in the last five years alone and now have more than 1,100 employees across our offices in San Francisco, Charlotte, Los Angeles, Leeds, London and soon Oakland.

Credit Karma depends upon our users' trust. We earn and maintain that trust by demonstrating our commitment to safeguarding their information. The Trust & Safety team has the critical responsibility of protecting Credit Karma's members by securing our online processes and preventing online fraud and abuse throughout the Credit Karma product suite. 

What you'll do:

  • Mid level programming skills (SQL, Python, R, etc.)
  • Analyzes fraud patterns to model fraud rules (coding and UI interface) to detect and systemically alert fraud operations team
  • Monitor rule performance, False Positive, Detection Rates and loss impact
  • Develop champion challenger rule sets and deploy as appropriate
  • Detection focus: New account, Identify fraud, payment transactions and Account Takeover
  • Develop best practices and processes for fraud scoring rules, strategies, and other business improvements to reduce new account, synthetic identity and identity theft fraud activity
  • Simulate rule performance prior to installation
  • Define and document business requirements, processes and for fraud prevention systems
  • Partner with engineering and data science teams to optimize detection environment system impact and ability to work collaboratively across teams

What's great about the role:

  • Manage fraud rule performance, false positives, detection rates and loss impact
  • You'll directly assist with the development, implementation, and monitoring of fraud prevention initiatives
  • Partnering with analytics, risk operations and technology groups to identify data sources and develop processes for capturing required data
  • Testing internal controls and identify control deficiencies, analyze impact and exposure, and recommend improvements
  • Identifying fraud trends and taking appropriate action
  • Work closely with our partners to develop, maintain and mature our fraud operating procedures and processes

Basic minimum qualifications:

  • Solid understanding of the fraud management life cycle and industry trends
  • Mid level programming skills (SQL, Python, R, etc.)
  • Experience in Financial Services or FinTech
  • Building fraud processes for emerging payment products
  • Have broad knowledge of project management and business process reengineering
  • 5 years minimum prior proven experience

Preferred qualifications:

  • Experience at a regulated financial institution
  • Understanding of Payment network rules and requirements
  • Understanding of NACHA rules
  • Understanding of Reg E and Reg D
  • Understanding of KYC/AML
  • A fun and positive attitude!

Credit Karma is committed to a diverse and inclusive work environment. We believe that such an environment advances long-term professional growth, creates a robust business, and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with an eye single to fostering an inclusive environment that recognizes the contributions of all. We’ve worked hard to build an intensely collaborative and creative environment, a diverse and inclusive employee culture, and the opportunity for professional growth. As part of the Credit Karma team, your voice will be heard, your contributions will matter, and your unique background and experiences will be celebrated.

Credit Karma is also proud to be an Equal Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or expression, marital status, national origin, disability, genetic information, status as a protected veteran, or any other protected characteristic. We prohibit discrimination of any kind and will also consider qualified applicants with arrest and conviction records in a manner consistent with applicable federal, state, and local law. Our people are everything, our core values are real, and our guiding mission is strong. Join us!

Apply Now