Raisin GmbH
Senior Manager Fraud Strategy and Analytics US
Raisin GmbH, Salt Lake City, Utah, United States, 84193
Team
The Risk Operations team plays a central role in safeguarding Raisin’s business by monitoring, assessing, and mitigating risks across all operational areas. We are responsible for managing fraud prevention and mitigation, investigations and recoveries, monitoring for financial crime events (AML, KYC) and implementing effective risk controls to support the company’s growth. Our work bridges business, compliance, and technology—analyzing data, processes, and transactions to identify potential threats while also enabling smooth and secure customer experiences. We collaborate closely with cross-functional teams (Product, Compliance, Customer Service, and Engineering) to design and execute risk and fraud management frameworks, enhance operational efficiency, and maintain a strong culture of accountability. Tech Stack
Your Responsibilities
As Fraud Strategy and Analytics Senior Manager, you will safeguard Raisin’s U.S. platform by ensuring resilience against fraud while managing risk operations at scale. You will use Python, SQL, and internal and third-party intelligence to analyze, detect, and mitigate fraud and risk. This role reports to the Head of Risk Operations and covers facets of fraud operations, financial crime, payments risk and risk analytics. Fraud Operations Responsibilities
Define and execute Raisin’s U.S. fraud strategy. Develop and refine fraud detection policies, rules, and processes. Apply advanced analytics and scripting (Python/SQL) to detect patterns in large datasets. Analyze fraud telemetry to uncover hidden or undetected activity. Build dashboards and performance metrics across payment channels. Present actionable insights to leadership and recommend ongoing improvements. Lead end-to-end fraud investigations, from detection through resolution. Drive conversations around fraud KPIs, fraud losses, and remediation trends. AML/Financial Crime Responsibilities
Oversee compliance with AML and KYC requirements, ensuring robust due diligence across the customer lifecycle. Implement enhanced monitoring for high-risk customers and transactions. Develop and maintain customer risk profiling frameworks to support onboarding, transaction monitoring, and suspicious activity escalation. Partner with compliance teams to identify and escalate unusual activity in line with regulatory standards. Design low-friction, custom risk rules for identity verification, account takeover protection, and transaction monitoring. Continuously back-test and adapt rules to evolving risks. Integrate risk findings into broader operational workflows. Model Development and Maintenance Responsibilities
Design, implement, and deploy machine learning–based fraud models across the customer lifecycle (onboarding, KYC, bank account linking, payments, and ongoing account activity). Leverage supervised and unsupervised learning techniques for anomaly detection, behavioral analytics, and transaction monitoring. Develop features from identity, device, behavioral, transaction, and network data. Partner with engineering and data teams to ensure high-quality data pipelines for real-time fraud detection. Translate model insights into practical fraud controls (rules, thresholds, decisioning strategies) that balance fraud prevention with customer experience. Work closely with Product, Engineering, Marketing, Payments, Customer Service to align models with operational workflows. Pilot next-generation fraud tools (e.g., behavioral biometrics, network graph analysis, federated learning) to strengthen defenses as Raisin’s product portfolio grows. Risk Analytics and Controls Responsibilities
Analyze payment and transaction telemetry to identify systemic risks. Measure risk exposure across methods, develop KPIs, and track control effectiveness. Provide data-driven insights to leadership for continuous improvement. Your Profile
8+ years’ experience in fraud risk management, analytics, or financial crime within fintech, banking, or payments. Strong technical skills: Python, SQL, and experience building fraud detection dashboards and KPIs. Proven ability to design and deploy machine learning models for fraud and anomaly detection. Deep knowledge of fraud typologies, AML/KYC regulations, and compliance frameworks in the U.S. Experience leading fraud investigations, strategy design, and operational execution end-to-end. Skilled at risk profiling, transaction monitoring, and developing custom fraud rules. Strong cross-functional collaboration with compliance, engineering, product, and customer operations. Excellent communication and stakeholder management, with ability to present actionable insights to leadership. Demonstrated leadership and team management experience. Strategic, data-driven thinker who balances fraud prevention with customer experience in decision-making. Benefits
Benefits der Raisin Bank
Join our mission, join our team - and grow with us!
At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success. As part of our US team, you will benefit from: Flexible working hours and 28 vacation days, plus 13 public holidays per year. Employee Development Budget of $2,200 and 4 full training days per year. Access to Babbel for continuous learning. Company 401k contribution of 5%. Healthcare coverage contribution, including medical, dental and vision. Commuter benefits and flexible working from home policy. Regular team events and yearly Summer and Winter Party.
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The Risk Operations team plays a central role in safeguarding Raisin’s business by monitoring, assessing, and mitigating risks across all operational areas. We are responsible for managing fraud prevention and mitigation, investigations and recoveries, monitoring for financial crime events (AML, KYC) and implementing effective risk controls to support the company’s growth. Our work bridges business, compliance, and technology—analyzing data, processes, and transactions to identify potential threats while also enabling smooth and secure customer experiences. We collaborate closely with cross-functional teams (Product, Compliance, Customer Service, and Engineering) to design and execute risk and fraud management frameworks, enhance operational efficiency, and maintain a strong culture of accountability. Tech Stack
Your Responsibilities
As Fraud Strategy and Analytics Senior Manager, you will safeguard Raisin’s U.S. platform by ensuring resilience against fraud while managing risk operations at scale. You will use Python, SQL, and internal and third-party intelligence to analyze, detect, and mitigate fraud and risk. This role reports to the Head of Risk Operations and covers facets of fraud operations, financial crime, payments risk and risk analytics. Fraud Operations Responsibilities
Define and execute Raisin’s U.S. fraud strategy. Develop and refine fraud detection policies, rules, and processes. Apply advanced analytics and scripting (Python/SQL) to detect patterns in large datasets. Analyze fraud telemetry to uncover hidden or undetected activity. Build dashboards and performance metrics across payment channels. Present actionable insights to leadership and recommend ongoing improvements. Lead end-to-end fraud investigations, from detection through resolution. Drive conversations around fraud KPIs, fraud losses, and remediation trends. AML/Financial Crime Responsibilities
Oversee compliance with AML and KYC requirements, ensuring robust due diligence across the customer lifecycle. Implement enhanced monitoring for high-risk customers and transactions. Develop and maintain customer risk profiling frameworks to support onboarding, transaction monitoring, and suspicious activity escalation. Partner with compliance teams to identify and escalate unusual activity in line with regulatory standards. Design low-friction, custom risk rules for identity verification, account takeover protection, and transaction monitoring. Continuously back-test and adapt rules to evolving risks. Integrate risk findings into broader operational workflows. Model Development and Maintenance Responsibilities
Design, implement, and deploy machine learning–based fraud models across the customer lifecycle (onboarding, KYC, bank account linking, payments, and ongoing account activity). Leverage supervised and unsupervised learning techniques for anomaly detection, behavioral analytics, and transaction monitoring. Develop features from identity, device, behavioral, transaction, and network data. Partner with engineering and data teams to ensure high-quality data pipelines for real-time fraud detection. Translate model insights into practical fraud controls (rules, thresholds, decisioning strategies) that balance fraud prevention with customer experience. Work closely with Product, Engineering, Marketing, Payments, Customer Service to align models with operational workflows. Pilot next-generation fraud tools (e.g., behavioral biometrics, network graph analysis, federated learning) to strengthen defenses as Raisin’s product portfolio grows. Risk Analytics and Controls Responsibilities
Analyze payment and transaction telemetry to identify systemic risks. Measure risk exposure across methods, develop KPIs, and track control effectiveness. Provide data-driven insights to leadership for continuous improvement. Your Profile
8+ years’ experience in fraud risk management, analytics, or financial crime within fintech, banking, or payments. Strong technical skills: Python, SQL, and experience building fraud detection dashboards and KPIs. Proven ability to design and deploy machine learning models for fraud and anomaly detection. Deep knowledge of fraud typologies, AML/KYC regulations, and compliance frameworks in the U.S. Experience leading fraud investigations, strategy design, and operational execution end-to-end. Skilled at risk profiling, transaction monitoring, and developing custom fraud rules. Strong cross-functional collaboration with compliance, engineering, product, and customer operations. Excellent communication and stakeholder management, with ability to present actionable insights to leadership. Demonstrated leadership and team management experience. Strategic, data-driven thinker who balances fraud prevention with customer experience in decision-making. Benefits
Benefits der Raisin Bank
Join our mission, join our team - and grow with us!
At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, who are at the heart of our success. As part of our US team, you will benefit from: Flexible working hours and 28 vacation days, plus 13 public holidays per year. Employee Development Budget of $2,200 and 4 full training days per year. Access to Babbel for continuous learning. Company 401k contribution of 5%. Healthcare coverage contribution, including medical, dental and vision. Commuter benefits and flexible working from home policy. Regular team events and yearly Summer and Winter Party.
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