Job Description

SquareTrade is the fastest growing company of its kind. We’re revolutionizing a $30b industry with service innovation and attention to customer satisfaction. We partner with some of the largest, most sophisticated retailers and carriers in the world (The Home Depot, Walmart, Target, Amazon, Costco, and T-Mobile to name a few), consistently win industry awards, have received tens of thousands of 5-star reviews… and we’re just getting started. A member of the Allstate family, SquareTrade has headquarters in San Francisco and London.

As a member of Fraud Strategy within the Trust & Safety department, this role is accountable for developing and executing fraud risk strategies that enable the business to effectively mitigate fraud risk in an ever changing and evolving business environment.

This role applies strong domain knowledge to independently manage complex initiatives, contributing to fraud strategy development and execution while influencing cross-functional partners through data, analysis, and collaboration. The role impacts millions of customers globally through partnership, education, and insight-driven recommendations.

Ultimately, the success of this role will:

• Reduce fraud losses through identification of trends and development of fraud strategies and business rules
• Improve the efficiency of fraud prevention processes to support global program growth
• Minimize negative customer experiences by identifying friction points and implementing technology-based solutions to drive solutions

What’s Great About This Role?

• You’ll work to detect various emerging fraud patterns spanning both first and third party fraud types and develop key solutions to prevent them
• You’ll be visible in the organization and communicate and interact with senior leaders and executives globally
• You’ll identify and support implementation of tools to that enable more effective detection, prevention, and response to fraud at scale
• You’ll work on interesting problems that have a real and direct impact on the business
• You’ll tackle global issues and work on different regional fraud challenges around the world
• You’ll be part of a highly impactful team that takes ownership of projects, drives change, and influences cross-functional outcomes
• You’ll support the company’s commitment to protect the confidentiality of our customer data and the integrity of our systems
• With lots of variety in our ever-changing, fast-paced, entrepreneurial org, you won’t get bored

The Opportunity:

• Analyze fraud vectors across SquareTrade's platform including both first party and third party fraud types to develop strategies that identify the bad actors and improve the experience
• Develop and maintain metrics and KPI’s that measure risk mitigation strategies and communicate progress to key stakeholders and leadership
• Own and drive the fraud rule lifecycle for assigned areas, including opportunity identification, business case development, strategy design, testing, deployment, monitoring, and ongoing optimization
• Evaluate existing rules and controls for overlap, effectiveness, operational impact, and opportunities to simplify or strengthen coverage
• Paner with Fraud Operations to support alignment on policies, procedures, and investigative practices while helping address operational challenges
• Contribute to cross-functional projects supporting fraud prevention and business growth while balancing customer experience and operational efficiency
• Influence stakeholders across the organization to prioritize and implement fraud mitigation strategies that balance risk reduction, operational efficiency, and customer experience
• Utilize large amounts of complex data with data-driven analytical techniques to monitor customer behaviors and detect trends in fraudulent activity, and develop strategies to mitigate risk and improve customer experience
• Proactively identify new opportunities and strategies to strengthen controls, processes, and systems
• Partner with internal teams and third parties to monitor risk trends, apply industry best practices, and ensure compliance and regulatory obligations

Qualifications

• Demonstrated ability to independently identify problems, define hypotheses, and drive high-impact solutions with limited direction
• Strong prioritization skills with the ability to manage competing demands, navigate ambiguity, and make sound tradeoff decisions aligned with business objectives
• Proven experience influencing cross-functional teams to implement risk strategies, process changes, or product enhancements
• 3-5 years of experience in developing risk rules, strategies, policies, and procedures that direct user behavior, leveraging both internal and 3rd party capabilities, owning them end to end
• Strong analytical and problem-solving skills, including experience using SQL, Python, R, SAS, or similar tools to evaluate strategy performance and identify opportunities
• Demonstrated ability to effectively interact with senior leaders and executives to present complex findings and outline progress, plans, and opportunities to address them
• Experience in fraud prevention rule management systems, device profiling, customer verification, document verification technologies

Additional Information

At SquareTrade you'll have access to:

• Medical, dental and vision coverage with network optionality and the ability to contribute to a savings account (HSA or FSA)
• Up to 4% company match into 401(k) and contributions into your company-sponsored pension
• $75/month budget to help prioritize your physical wellbeing
• $80/month stipend to subsidize connectivity costs
• Mental health resources including free 1:1 therapy, coaching sessions and digital resources
• Supportive leave policies
• Flexible Time Off Policy in addition to 9 Company Holidays
• Tuition reimbursement up to $5,250 per year to further your personal educational advancement desires
• Hybrid work arrangements with regular investment in gatherings/offsites to spend time together as team
• Various corporate perks and discounts

This role is a remote opportunity.

SquareTrade estimates the possible base compensation for this role, to be in the range : $75K - $95K

SquareTrade/Allstate Protection Plans generally does not sponsor individuals for employment-based visas for this position.

The candidate(s) offered this position will be required to submit to a background investigation.

Effective July 1, 2014, under Indiana House Enrolled Act (HEA) 1242, it is against public policy of the State of Indiana and a discriminatory practice for an employer to discriminate against a prospective employee on the basis of status as a veteran by refusing to employ an applicant on the basis that they are a veteran of the armed forces of the United States, a member of the Indiana National Guard or a member of a reserve component.

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SquareTrade is proud to be an Equal Employment Opportunity employer. We are committed to creating an inclusive work environment for all employees. We celebrate diversity and encourage applications from all qualified individuals regardless of race, religion, color, national origin, sex, gender identity, gender expression, sexual orientation, age, marital status, veteran status, or ability status. It is the Company’s policy to employ the best qualified individuals available for all jobs. Therefore, any discriminatory action taken on account of an employee’s ancestry, age, color, disability, genetic information, gender, gender identity, gender expression, sexual and reproductive health decision, marital status, medical condition, military or veteran status, national origin, race (include traits historically associated with race, including, but not limited to, hair texture and protective hairstyles), religion (including religious dress), sex, or sexual orientation that adversely affects an employee's terms or conditions of employment is prohibited. This policy applies to all aspects of the employment relationship, including, but not limited to, hiring, training, salary administration, promotion, job assignment, benefits, discipline, and separation of employment.

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