Fraud and Abuse Operations Analyst

Role Overview

We are the first line of defense against fraud and abuse on the Plaid platform. Our mission is to ensure the safety and integrity of our platform for consumers and customers. As a Fraud and Abuse Operations Analyst, you will respond to fraud and abuse events, investigate claims, and triage incidents.

Responsibilities

• Respond to fraud and abuse events, investigate claims, and triage incidents.
• Participate in the abuse on‑call rotation, protecting users and customers by resolving events promptly.
• Investigate fraud and abuse claims from diverse sources and work with senior teammates on complex cases.
• Proactively perform threat modeling of abuse surfaces and survey external fraud trends, adversary techniques, tooling, and emerging threat vectors.
• Support incident response by triaging and managing fraud and abuse events as internal incidents (SEVs) and collaborating across teams to drive resolution.
• Provide operational insights to product and risk teams, informing the development of effective fraud mitigation solutions.

Qualifications

• Experience: 3+ years in fraud or abuse operations, trust & safety, or incident response.
• Incident Response and Investigations
  • Triaging fraud or related incidents with tight containment deadlines.
  • Managing escalations and making informed trade‑off decisions among stakeholders.
  • Coordinating and communicating with internal Legal, Compliance, Communications, and risk management teams during incident triage.
  • Balancing fraud mitigation vs. conversion and calibrating that model under pressure.
• Fraud and Abuse Detection and Prevention
  • Working knowledge of fraud typologies such as account takeover, payments fraud, ACH fraud, chargebacks, kiting, rewards harvesting.
  • Familiarity with tactics, techniques, and procedures (TTPs) used by bad actors.
  • Understanding of mitigation strategies and developing a point of view on their pros and cons.
• Fraud and Abuse Intelligence
  • Dark and gray‑web navigation and investigation experience, assessing source credibility, and translating external intelligence into actionable insights.
  • Translating investigations into detection signals, rules, and labeled datasets, partnering with DS/ML and product teams.
  • Developing and maintaining threat models for authentication and high‑risk product surfaces, identifying emerging risks.
• Data Analysis
  • Proficiency with SQL for querying data sets and building reports.
  • Comfortable with analysis tools and data manipulation.
  • Ability to spot anomalies and fraudulent patterns in logs and other data sets.
• Operational Depth and Maturity
  • Contributing improvements to operational processes and controls.
  • Strong written and verbal communication skills.

Nice‑to‑Haves

• Familiarity with machine learning models for fraud detection.
• Fraud domain certifications (e.g., CFE).
• Exposure to production ML model lifecycles and metrics for drift/decay.
• Effective use of AI and AI agents to accelerate investigations and research.

Compensation & Benefits

Additional compensation in the form of equity and/or commission is dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as scope and responsibilities of the position, candidate’s work experience and skill set, and location. Pay and benefits are subject to change at any time.

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