[Hiring] Senior Director, Fraud & Abuse @Zip Co Limited

Role Description

A senior leader with a proven track record of transforming fraud, financial crime, or risk operations through the application of data science, machine learning, AI, and modern operating models. A strategic leader capable of building scalable fraud and abuse decision capabilities that protect customers while enabling business growth. A leader who understands that trust is not simply a control function but a competitive advantage.

Remote-first opportunity for US-based employees, with the option to work in person out of the Manhattan office. Applicants must be authorized to work in the United States. Zip is unable to provide employment-based visa sponsorship or support visa transfers for this role.

Start your adventure with Zip. Join Zip's leadership team and play a critical role in protecting customers, merchants, partners, and the business while enabling continued growth and innovation. Reporting to the Chief Operations Officer, the Senior Director, Fraud & Abuse is responsible for leading Zip US’s Fraud & Abuse function and executing a multi-year strategy that protects customers, merchants, and the business while enabling sustainable growth.

As the functional leader for Fraud & Abuse, you will oversee:

• Strategy
• Operations
• Fraud prevention
• Investigations
• Abuse management
• Organizational capability

You will modernize fraud decisioning through advanced analytics, artificial intelligence, machine learning, behavioral intelligence, and automation while ensuring operational excellence and an exceptional customer experience. You will serve as Zip US’s principal advisor on Fraud & Abuse, partnering closely with:

• Product
• Engineering
• Data Science
• Risk
• Compliance
• Legal
• Operations

Interesting problems you'll get to solve:

• Develop and lead the execution and evolution of Zip US’s multi-year Fraud & Abuse strategy, translating business priorities into scalable operational capabilities.
• Lead cross-functional fraud prevention, detection, investigation, recovery, and abuse management activities.
• Continuously evolve and optimize Fraud & Abuse operating models through machine learning, AI, predictive analytics, behavioral intelligence, and automation.
• Partner with Product, Engineering, Data Science, Analytics, Risk, Compliance, Legal, and banking partners.
• Serve as the functional subject matter expert and trusted advisor on Fraud & Abuse, providing guidance on emerging threats, operational design, and fraud technology investments.
• Enhance fraud intelligence capabilities leveraging internal and external data sources to improve direction and decision-making.
• Drive continuous improvement in fraud loss performance while maintaining customer experience.
• Develop governance, reporting, and performance frameworks that enable executive decision-making and operational excellence.
• Lead vendor strategy and fraud technology partnerships.
• Build, lead, and develop a world-class team of fraud professionals, analysts, investigators, and leaders.

Qualifications

• Bachelor's degree in economics, data science, engineering, computer science, mathematics, or a related field required.
• Advanced degree preferred.
• Professional certifications such as CFE, CAMS, CFCS, FRM, or equivalent are highly desirable.

Requirements

• 15+ years of progressive leadership experience in fraud, financial crimes, risk operations, payments, fintech, banking, or related disciplines.
• 8+ years leading large-scale fraud strategy and operational organizations.
• Experience leading in organizations of 200+ employees.
• Demonstrated experience implementing machine learning, AI, advanced analytics, and automated decisioning capabilities.
• Proven success leading transformational change initiatives.
• Experience working closely with Product, Engineering, Data Science, and machine learning teams.

Benefits

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• 100% employer-covered insurance
• Beautiful Midtown office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base pay range for this position is $220,000 - $270,000.

Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and other benefits.

If hired, employees will be in an at-will position, and the Company reserves the right to modify base salary (as well as any other discretionary payment, compensation, or benefit program) at any time, including for reasons related to individual performance, Company or individual department or team performance, and market factors.