Fraud Analyst, P2P & Cash Advance

About Sezzle:

With a mission to financially empower the next generation, Sezzle is revolutionizing the shopping experience beyond payments, blending cutting-edge tech with seamless, interest-free installment plans that make shopping smarter and more accessible. We’re not just transforming payments; we’re redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we’re building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey. If you’re excited about pushing boundaries in tech and delivering a game-changing experience for consumers and merchants alike, come join us at Sezzle and help create the future of shopping!

About the Role:

As a Fraud Analyst specializing in Peer-to-Peer (P2P) and Cash Advance products, you will be on the front lines of protecting Sezzle and our customers from financial loss and malicious activity. You will leverage data analytics, investigation tools, and industry knowledge to identify, mitigate, and prevent complex fraud schemes, including Account Takeover (ATO), friendly fraud, synthetic identities, and social engineering scams.

The ideal candidate is naturally curious, highly analytical, and thrives in a fast-paced environment where fraud trends evolve rapidly.

What You'll Do:

• Transaction Monitoring & Investigation: Conduct daily reviews of high-risk P2P transfers and cash advance requests to identify fraudulent activity. Investigate suspicious accounts and take appropriate action (e.g., freezing accounts, declining transactions).
• Trend Analysis & Rule Optimization: Analyze fraud patterns and emerging trends to identify gaps in current defenses. Work closely with the Risk Strategy team to recommend and test new fraud rules and machine learning model features.
• Scam & ATO Mitigation: Investigate complex fraud cases involving social engineering scams, unauthorized access (ATO), and first-party/friendly fraud specific to instant money movement.
• Reporting: Create and maintain dashboards tracking key fraud metrics (e.g., false positive rates, fraud loss rates, operational SLAs) and report findings to leadership.

What We Look For:

• Experience: 2 - 4 years of experience in fraud investigations, risk management, or trust & safety, specifically within fintech, banking, or the payments industry.
• Domain Knowledge: Strong understanding of P2P payment networks (e.g., Zelle, Venmo, CashApp, ACH) and short-term credit/cash advance products.
• Analytical Skills: Proficiency in data analysis using SQL and Python. Ability to connect the dots across multiple data sources to uncover hidden fraud rings.
• Problem Solving: A strong analytical mindset with the ability to make high-quality, high-velocity decisions under pressure.
• Communication: Excellent written and verbal communication skills, with the ability to explain complex fraud patterns to non-technical stakeholders.

Preferred Qualifications:

• Vendor Experience: Familiarity with modern fraud prevention tools and identity verification vendors.

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they sta