Senior Fraud Investigations AnalystRole OverviewID.me is looking for a
Senior Fraud Investigations Analyst to join our organization as an execution-focused individual contributor. This role is responsible for leading investigations into account takeover (ATO) activity, identifying fraud patterns at scale, and strengthening detection strategies.
We are seeking a highly skilled analyst who can independently analyze large datasets, uncover coordinated fraud campaigns, and drive improvements in detection systems. This role requires moving beyond case-by-case investigation into trend analysis, signal development, and data-driven decision making.
This role is based out of our McLean, VA office and requires full-time in-office attendance.Responsibilities- Lead complex account takeover (ATO) investigations, including multi-account and organized fraud activity
- Analyze large datasets using SQL, Python, or similar tools to identify trends, anomalies, and attack patterns
- Use fraud detection tools, machine learning outputs, and risk-scoring systems to drive high-quality investigations
- Independently own investigations from detection through resolution, including clear documentation and recommendations
- Identify gaps in detection logic and contribute to improvements in rules, models, and workflows
- Partner with engineering, data, and product teams to enhance fraud detection capabilities and signal quality
- Act as an escalation point for high-severity or ambiguous fraud cases
- Develop and refine investigation playbooks and analytical approaches for ATO detection
- Support reporting and analysis of fraud trends, detection performance, and operational metrics
- Leverage AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data
Basic Qualifications- Bachelor's degree from an accredited institution; strong preference for quantitative fields such as Economics, Computer Science, Statistics, Mathematics, or similar
- 4+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks (typically 4-8 years total experience; candidates should have )
- 2+ years of experience using SQL, Python, or similar tools to analyze data and drive investigations
- 2+ years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies
- 2+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data
- Demonstrated experience analyzing fraud trends beyond individual case investigations (e.g., pattern detection, ring analysis)
- Experience using AI/LLM tools to enhance data analysis and investigations, with demonstrated ability to validate and apply outputs effectively
Preferred Qualifications
- Experience at a fintech company, technology company, or reputable financial institution
- Strong experience analyzing organized fraud rings or large-scale ATO campaigns
- Experience influencing fraud detection logic, models, or rule systems
- Familiarity with AI/ML techniques applied to fraud detection and risk analysis
- Ability to translate analytical findings into actionable improvements for product, engineering, or risk systems
ID.me is a full-time, in-office culture. Unless a specific job description explicitly states otherwise, all roles are on-site five days per week at one of our offices in McLean, VA; Mountain View, CA; New York City, NY; or Tampa, FL. Certain roles - such as field-based sales or other remote-by-design positions - may have different work arrangements as noted in their individual postings.
