Fraud Strategy Manager / Senior Manager (Onboarding)

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

THE JOB

We're looking for a Fraud Strategy Manager or Senior Manager – Onboarding to own the end-to-end fraud strategy for how we evaluate new applicants. This is a highly analytical, strategy-forward role focused on building the decisioning framework that determines which applicants are approved, stepped up for review, or declined, and making sure the tools, data, and processes behind those decisions are best-in-class.

Reporting to our Chief Risk Officer, you'll work at the intersection of data, tooling, and operations to sharpen our onboarding defenses as Cardless scales in the next year. You'll own the manual review program, drive the strategy for leveraging alternative data signals from bank data, device intelligence, and partner sources, and build the measurement infrastructure to continuously improve performance.

WHAT YOU'LL OWN

Manual Review Strategy & Operations

- Define the logic and thresholds for routing applicants into manual review, balancing fraud risk against approval rates and customer experience.

- Own the manual review program end-to-end: queue prioritization, SLA design, analyst tooling, and case escalation paths.

- Evaluate the effectiveness of tools used in manual review; identify gaps and advocate for new capabilities that help analysts make faster, higher-quality decis...