Fraud Detection Lead

  • Scottsdale, AZ, USA
  • Full-time
  • Alternate Location: St. Louis, United States

Company Description

Square builds common business tools in unconventional ways so more people can start, run, and grow their businesses. When Square started, it was difficult and expensive (or just plain impossible) for some businesses to take credit cards. Square made credit card payments possible for all by turning a mobile phone into a credit card reader. Since then Square has been building an entire business toolkit of both hardware and software products including Square Capital, Square Terminal, Square Payroll, and more. We’re working to find new and better ways to help businesses succeed on their own terms—and we’re looking for people like you to help shape tomorrow at Square.

Job Description

Square, Inc. is looking for a seasoned Payments Fraud Risk Operations Lead to join our dynamic risk operations team. You will provide support for the development and documentation of creative fraud prevention strategies that optimizes the team's ability to detect Fraud. You will also work with Risk Policy, Product/Program Managers, Data Scientists, and Engineers to evaluate fraud risk on Point of Sale payments. You will oversee system tool enhancements to maintain productivity and efficiency of risk strategies. Importantly, you will represent the team as a member of Squares high impact teams that support plans for both existing and new payment products. We ask that you have an in-depth understanding of the principles of both account and portfolio level risk management.

Job Responsibilities: 

  • Lead a team of 8-10 specialists in a fast- paced environment including performance management, coaching and driving the vision for the team
  • Build team; manage recruiting efforts and partner with Talent Team to bring in top quality candidates to fill essential role
  • Identify risk factors and trends of potentially fraudulent activity
  • Develop comprehensive fraud detection strategies and business procedures that balance fraud loss and customer experience.
  • Lead root cause analysis to identify opportunities to predict and mitigate risk within processes and performance.
  • Use analytics to improve existing fraud strategies, to reduce false positive rates and increase fraud detection rates.
  • Extract and analyze data, investigate data integrity, create metrics and perform data and portfolio analysis.
  • Create fraud metrics to show the performance of fraud systems for use in management reporting.
  • Identify gaps in current systems, policies, products and strategies and take actions to reduce new fraud risks with guidance from managers.
  • Build relationships with Sales, Support, Product and Dispute teams to gain support of risk management.
  • Manage projects to enhance fraud strategy systems and tools.
  • Recommend enhancements and process improvements based on assessment of fraud processes.
  • Develop trending reports and essential indicators to serve as early warning risk indicators for potentially fraudulent activity.
  • Work with internal partners across the company to effect change and promote awareness of fraud mitigation while focusing on improving experiences for legitimate Sellers who go through a risk evaluation
  • Develop performance metrics and build coaching opportunities


Job Qualifications:

  • Bachelor's Degree
  • 5+ years risk management experience with traditional and alternative payment methods.
  • 3+ years of people management experience
  • Knowledge in card present, card-not-present, card testing and Ecom fraud schemes and their prevention methods
  • Experience with the online payments landscape across all participants issuer, merchant, acquirer and network.
  • Excellent written, oral and presentation skills and an ability to summarize information and make concise recommendations on a course of action
  • Creative, team-focused, problem solving
  • Preferred Certifications: CFE
  • Preferred proficiency: SQL, Looker, Snowflake, and Google sheets

Additional Information

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Square is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class. 

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page

Additionally, we consider qualified applicants with criminal histories for employment on our team, and always assess candidates on an individualized basis.


We want you to be well and thrive. Our global benefits package includes:

  • Healthcare coverage
  • Retirement Plans
  • Employee Stock Purchase Program
  • Wellness perks
  • Paid parental leave
  • Paid time off
  • Learning and Development resources

Square, Inc. (NYSE: SQ) builds tools to empower businesses and individuals to participate in the economy. Sellers use Square to reach buyers online and in person, manage their business, and access financing. Individuals use Cash App to spend, send, store, and invest money. And TIDAL is a global music and entertainment platform that expands Square's purpose of economic empowerment to artists. Square, Inc. has offices in the United States, Canada, Japan, Australia, Ireland, Spain, Norway, and the UK.

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