This role is responsible for
Developing and maintaining data-driven strategies to prevent fraud loss from ATO, scams, and social engineering schemes that target OnePay customers
Creating and executing the authentication roadmap for OnePay covering analytics, tools, capabilities, and operational processes
Conducting independent data analytics of portfolio behavior to identify new or shifting fraud trends using relevant tooling (Databricks - SQL, Python)
Overseeing the authentication fraud monitoring/alerting logic, ensuring that all critical loss vectors are covered and alerts are calibrated to be relevant & timely
Supporting the build out and integration of AI capabilities directly within risk workflows to automate processes, accelerate execution, and improve fraud prevention & customer experience outcomes
Maintaining and enhancing network/graph analysis strategies designed to capture collusive fraud rings while minimizing false positive impact to good customers
Working closely with and supporting IT, Operations, Product, and AML teams to investigate and triage authentication fraud incidents
Staying abreast of the latest fraud prevention industry developments & trends, including emerging fraudster capabilities & tactics and methods to combat them, as the SME for authentication fraud at OnePay
YOU BRING
5+ years of experience directly managing authentication risk strategies like device & login risk, account recovery, profile management (e.g., phone, email, address updates), etc.
Highly analytical skillset with an ability to synthesize vast amounts of data into meaningful insights
Deep domain knowledge of the types of tools & tactics used by bad actors to conduct targeted or large-scale authentication fraud attacks, and experience in developing best-in-class solutions to mitigate these threats
Demonstrated ability building with AI tools—including LLMs, prompt engineering, workflow automation, or advanced analytics platforms—to improve fraud strategy & detection, eliminate manual effort, and drive measurable improvement to fraud loss, operational efficiency, and customer experience within the fraud lifecycle
Proficiency in SQL & Python
Excellent communication skills with the ability to articulate complex issues into clear, simple language for a diverse audience
An act-like-an-owner mentality. We have a strong bias toward taking action
What it’s like working @ One
Competitive cash
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 OnePay.
Inclusion and 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 at talent@one.app.
STANDARD INTERVIEW PROCESS
Our process varies by role. Most candidates go through
AI-assisted initial screen
Interview with Talent Partner
Technical or Hiring Manager Interview
Team Interview
Executive Interview
Offer!
EQUAL EMPLOYMENT OPPORTUNITY
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. 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@onepay.com.
