Senior Fraud Risk Analyst

Braviant is building and scaling a high-performance consumer lending platform and is seeking a Fraud Risk Analyst to help protect the business from identity fraud, first-party fraud, and credit abuse. The role involves analyzing fraud patterns, developing detection strategies, and working cross-functionally to ensure fraud risk is managed effectively.

Location: Addison, TX (4-day in-office requirement)

Responsibilities

• Analyze application and early performance data to identify fraud patterns, including synthetic identity, first-party fraud, and credit abuse.
• Develop and implement fraud detection strategies, including rules, thresholds, and decisioning logic.
• Monitor early performance (e.g., FPD, zero-pay accounts) to identify potential fraud-driven losses.
• Distinguish fraud risk vs credit risk, improving approval quality and reducing early loss.
• Evaluate and optimize third-party fraud tools and data sources (e.g., identity verification, device intelligence, consortium data).
• Design and execute tests to evaluate fraud strategies and improve detection performance.
• Work with Product and Engineering to implement fraud rules and ensure accurate execution in production systems.
• Investigate emerging fraud trends and proactively recommend changes to controls and policies.
• Collaborate with Operations or servicing teams to improve fraud identification post-origination.
• Collaborate cross-functionally with other departments to ensure decisions align with business goals and risk appetite.

Requirements

• Degree in Data Science, Applied Mathematics, Statistics, Economics, Computer Science or a related field
• 4–6 years of experience in fraud, risk, or analytics, preferably in fintech, lending, or financial services
• Strong analytical skills with experience using SQL, Python, Excel, or similar tools to analyze large datasets
• Understanding of key fraud types, including synthetic identity and first-party fraud and familiarity with fraud tools (i.e. identity verification, device fingerprinting, consortium data)
• Experience identifying fraud patterns or working with fraud detection strategies (i.e. credit washing etc.)
• Ability to translate analysis into clear actions (rules, controls, strategy changes) and exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
• Passion for keeping skills up to date and exploring new methodologies
• The ability to distill complex problems and analysis into a clear and concise narrative

Benefits

• Comprehensive healthcare including medical, dental, and vision coverage
• Generous paid time off, including PTO, sick time, and 13 company holidays
• 401(k) with company contribution
• Participation in annual discretionary bonus plan
• Regular team and company gatherings