About ONE

ONE's mission is simple — financial progress. We’re doing this by creating simple solutions to help our customers save, spend, and grow their money — all in one place.

The U.S. consumer today deserves better. Millions of Americans today can’t access credit, build savings or wealth, and are left to manage their financial lives through multiple disconnected apps. Almost a quarter of U.S. adults are unbanked or underbanked and roughly 80% of fintech users rely on multiple accounts to manage their finances.

What makes us unique? We are backed by a preeminent fintech investor (Ribbit) and the world’s largest retailer (Walmart), maintain the speed and independence of a startup, and employ a strong (and growing) collection of world-class talent.

There’s never been a better moment to build a business that helps people achieve financial progress. Come build with us!

The role

As part of the Transaction Fraud team, your mandate is to minimize transaction fraud losses while optimizing the customer experience. You will be responsible for supporting the build out and integration of a best-in-class transaction fraud platform, core capabilities, and strategies. You will develop and scale risk-based strategies to automate processing of fraud disputes. You will work closely with partners in product, platform, data science, operations, and analytics teams to bring the authorization experience to life via fraud risk models, rules, and manual procedures. This role reports to the Head of Fraud.

This role is responsible for:

• Developing recommendations for transaction fraud strategies for the debit card portfolio, backed by fraud knowledge and supported by data analytics.

• Maintaining the performance of rules and strategies in assigned areas, continually iterating to improve detection rates, decrease monetary losses, reduce false positives, etc.

• Proactively monitoring for and identifying emerging fraud risks/trends, forming well-reasoned, creative, and innovative solutions to mitigate risk.

• Contributing to the creation of a risk-based framework for automated processing of card spend fraud disputes.

• Collaborating with partners in cross-functional teams to support the launch of new products and solve a wide range of issues relative to fraud risk.
  
  

You bring

• Mid Career (5-10 Years)

• An act-like-an-owner mentality. We have a bias toward taking action.

• Deep industry knowledge and subject matter expertise in Transaction Fraud (Debit or Credit).

• Knowledge of MasterCard data attributes, Decision Intelligence, and Fraud Resolution Manager.

• Knowledge of networks, payment gateways, core billing systems, and chargeback systems.

• Knowledge of card network rules and Regulation E requirements for EFT dispute resolution.

• Knowledge of key fraud controls needed for a successful program.

• Analytics required for delivery of a comprehensive optimization framework.

• Proficiency in using SQL, Python, or similar programming language for data analytics.

Pay Transparency

The estimated annual base salary for this position ranges from $120,000 to $170,000. Pay is generally based upon the level, complexity, responsibility, and job duties/requirements of the specific position. We then source candidates with the requisite skills, expertise, education, training, and experience. If you are selected for an interview, please feel welcome to speak to a Talent Partner about our compensation philosophy and other available benefits.

What it’s like working @ ONE

Our teams collaborate remotely and in our work spaces in New York (Tribeca), Sacramento, San Francisco, and Miami.

• Competitive cash - we don’t discount based on location

• Benefits effective on day one

• Early access to a high potential, high growth fintech

• Generous stock option packages in an early-stage startup

• Remote friendly (anywhere in the US) and office friendly - you pick the schedule

• Flexible time off programs - vacation, sick, paid parental leave, and paid caregiver leave

• 401(k) plan with match

Leveling Philosophy

In order to thoughtfully scale the company and avoid downstream inequities, we’ve adopted a flat titling structure at ONE. Though we may occasionally post a role externally with a prefix such as “Senior” to reflect the external level of the position, we do not use prefixes in titles like that internally unless in a position which manages a team. Internal titles typically include your specific functional responsibility, such as engineering, product management or sales, and often include additional descriptors to ensure clarity of role and placement within our organization (i.e. “Engineer, Platform”, “Sales, Business Development” or “Manager, Talent”). Employees are paid commensurate with their experience and the internal level within ONE.

Inclusion & Belonging

To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@one.app.