Anti Financial Crime and Fraud Prevention Analytics Manager

📋 Description

• • Imprint Technologies Inc. is at the forefront of revolutionizing co-branded credit cards and financial products, aiming to create smarter, more rewarding, and genuinely brand-centric experiences. We collaborate with prominent companies such as Crate & Barrel, Rakuten, Booking.com, H-E-B, Fetch, and Brooks Brothers to launch contemporary credit programs designed to enhance customer loyalty, unlock savings opportunities, and drive significant business growth. Our innovative platform seamlessly integrates advanced payments infrastructure, intelligent underwriting capabilities, and an intuitive user experience, empowering brands to offer powerful financial products without the complexities of becoming a traditional bank.
• • Co-branded cards represent a substantial segment of the U.S. market, generating over $300 billion in annual spend. However, the majority of these programs are still reliant on outdated legacy banking systems. Imprint stands as the modern, agile, and technologically advanced alternative, meticulously built for the demands of today's consumers. Bolstered by significant investment from industry leaders like Kleiner Perkins, Thrive Capital, and Khosla Ventures, we are assembling a world-class team dedicated to redefining the landscape of payments and brand growth. If you are driven by the prospect of working in a fast-paced environment, tackling complex challenges, and making a tangible impact, we eagerly invite you to join us.
• • As an Anti-Financial Crimes (AFC) and Fraud Prevention Analytics Manager within our dynamic Risk team, you will be instrumental in shaping and executing Imprint’s Anti-Money Laundering (AML) program and comprehensive fraud prevention strategies. Your primary focus will encompass anomaly detection, sophisticated transaction monitoring, robust customer risk management, and the strategic implementation of compliance systems. Your deep expertise will be crucial in ensuring Imprint upholds stringent financial crime prevention practices while skillfully balancing an exceptional customer experience with evolving regulatory mandates, thereby safeguarding our customers and fostering innovation across our credit product offerings.
• • The Fraud Strategy team is a cornerstone of Imprint's operational success, tasked with enabling sustainable business growth by effectively managing financial crime and compliance risks throughout the organization. We foster close collaboration with our Technology, Product, Operations, and Compliance departments to meticulously design and maintain sophisticated systems for monitoring transactions, assessing customer risk profiles, and detecting any suspicious activities. In your role as the AFC & Fraud Manager, reporting directly to the Director of Fraud Analytics, you will spearhead the development and refinement of policies, systems, and internal controls essential for identifying and mitigating both AML and fraud-related risks. Furthermore, you will engage in cross-functional collaboration to ensure that critical AML and Fraud considerations are seamlessly integrated into the very fabric of our product design and day-to-day business operations.
• • Key responsibilities will include the comprehensive development and ongoing management of Imprint’s Anti-Financial Crimes (AFC) program, encompassing the creation and enforcement of robust policies, detailed procedures, and effective internal controls.
• • You will be responsible for designing and implementing advanced frameworks specifically tailored to monitor transaction flows, enabling the proactive identification of suspicious or unusual activities.
• • A significant aspect of this role involves leveraging the power of graph databases to meticulously identify intricate fraud rings and sophisticated financial crime schemes.
• • You will define, develop, and maintain critical monitoring dashboards, providing real-time insights into portfolio health and ensuring that appropriate alerts are triggered in response to anomalous signals.
• • A core function will be the rigorous back-testing and refinement of alert and rule thresholds, coupled with the optimization of detection logic to achieve a delicate balance: minimizing false positives while simultaneously maximizing the detection rate of actual fraudulent activities.
• • You will conduct thorough customer due diligence, perform periodic reviews of accounts flagged as high-risk, and execute ongoing risk assessments across the entire cardholder base.
• • Develop and define Enhanced Due Diligence (EDD) procedures, ensuring they are effectively implemented by the Operations team.
• • Undertake detailed data extraction, enrichment, anomaly detection, and sophisticated pattern analysis to uncover potential risks.
• • Drive the automation of key processes to ensure the scalability of AML and Fraud operations within a rapidly growing, high-volume credit card company.
• • Stay abreast of evolving regulatory requirements and emerging industry trends, proactively recommending strategic enhancements to maintain our position at the forefront of best-in-class controls.
• • Provide continuous training and expert guidance to internal teams, fostering a heightened awareness and understanding of AFC and Fraud prevention best practices.
• • This role offers a unique opportunity to build and shape critical risk management functions within a fast-growing fintech company, directly impacting the security and integrity of our financial products and customer base.