Head of Fraud Operations

About this role

At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.

## The Job

We're looking for a Head of Fraud Operations to build and lead the operational core of our fraud function. This is a player-coach role: you'll lead a team of fraud analysts and investigators while staying close enough to the work to shape how cases are handled, how tools are used, and how the function scales.

Reporting to our Chief Risk Officer, you'll own two critical functions

• Manual review operations
• Fraud investigations

You will be responsible for the people, processes, and tooling that make both run effectively. You'll partner closely with our Fraud Strategy Managers to translate decisioning policy into operational reality, and with Product and Engineering to continuously improve the analyst experience and case management infrastructure.

This is a high-ownership role in a fast-growing environment. You'll be expected to drive operational excellence today while building the foundation for a fraud ops function that scales with Cardless.

## What You'll Own

Team Leadership & Development

• Build, manage, and develop a team of fraud analysts and investigators: responsible for hiring, onboarding, training, scheduling, and performance management.
• Create a high-performance team culture grounded in accuracy, accountability, and continuous learning.
• Define clear performance standard...