About Sezzle:

With a mission to financially empower the next generation, Sezzle is revolutionizing the shopping experience beyond payments, blending cutting-edge tech with seamless, interest-free installment plans that make shopping smarter and more accessible. We’re not just transforming payments; we’re redefining how people discover, interact with, and purchase the things they love while driving real impact on merchant sales through increased conversions and higher order values. As we continue to shape the future of fintech and retail, we’re building an innovative, dynamic team passionate about creating more than just a transaction but a truly unique shopping journey. If you’re excited about pushing boundaries in tech and delivering a game-changing experience for consumers and merchants alike, come join us at Sezzle and help create the future of shopping!

About the Role:

As a Sr Fraud Analyst specializing in Peer-to-Peer (P2P) and Cash Advance products, you will be on the front lines of protecting Sezzle and our customers from financial loss and malicious activity. You will leverage data analytics, investigation tools, and industry knowledge to identify, mitigate, and prevent complex fraud schemes, including Account Takeover (ATO), friendly fraud, synthetic identities, and social engineering scams.

The ideal candidate is naturally curious, highly analytical, and thrives in a fast-paced environment where fraud trends evolve rapidly.

What You'll Do:

• Transaction Monitoring & Investigation: Conduct daily reviews of high-risk P2P transfers and cash advance requests to identify fraudulent activity. Investigate suspicious accounts and take appropriate action (e.g., freezing accounts, declining transactions).
• Trend Analysis & Rule Optimization: Analyze fraud patterns and emerging trends to identify gaps in current defenses. Work closely with the Risk Strategy team to recommend and test new fraud rules and machine learning model features.
• Scam & ATO Mitigation: Investigate complex fraud cases involving social engineering scams, unauthorized access (ATO), and first-party/friendly fraud specific to instant money movement.
• Reporting: Create and maintain dashboards tracking key fraud metrics (e.g., false positive rates, fraud loss rates, operational SLAs) and report findings to leadership.

What We Look For:

• Experience: 3 - 5 years of experience in fraud investigations, risk management, or trust & safety, specifically within fintech, banking, or the payments industry.
• Domain Knowledge: Strong understanding of P2P payment networks (e.g., Zelle, Venmo, CashApp, ACH) and short-term credit/cash advance products.
• Analytical Skills: Proficiency in data analysis using SQL and Python. Ability to connect the dots across multiple data sources to uncover hidden fraud rings.
• Problem Solving: A strong analytical mindset with the ability to make high-quality, high-velocity decisions under pressure.
• Communication: Excellent written and verbal communication skills, with the ability to explain complex fraud patterns to non-technical stakeholders.

Preferred Qualifications

• Vendor Experience: Familiarity with modern fraud prevention tools and identity verification vendors.

About You:

• You have relentlessly high standards - many people may think your standards are unreasonably high. You are continually raising the bar and driving those around you to deliver great results. You make sure that defects do not get sent down the line and that problems are fixed so they stay fixed.
• You’re not bound by convention - your success—and much of the fun—lies in developing new ways to do things
• You need action - speed matters in business. Many decisions and actions are reversible and do not need extensive study. We value calculated risk-taking.
• You earn trust - you listen attentively, speak candidly, and treat others respectfully.
• You have backbone; disagree, then commit - you can respectfully challenge decisions when you disagree, even when doing so is uncomfortable or exhausting. You have conviction and are tenacious. You do not compromise for the sake of social cohesion. Once a decision is determined, you commit wholly.
• You deliver results - you focus on the key inputs and deliver them with the right quality and in a timely fashion. Despite setbacks, you rise to the occasion and never settle.

What Makes Working at Sezzle Awesome:

At Sezzle, we are more than just brilliant engineers, passionate data enthusiasts, out-of-the-box thinkers, and determined innovators. We believe in surrounding ourselves with only the best and the brightest individuals. Our culture is not defined by a certain set of perks designed to give the illusion of the traditional startup culture, but rather, it is the visible example living in every employee that we hire.

Perks & Benefits:

• Unlimited PTO, volunteer hours and sabbatical
• Life, STD/LTD, medical, dental and vision insurance
• Highly discounted LifeTime gym membership
• 401k with match
• Collaborative fun co-workers
• The opportunity to join the fastest growing FinTech alongside a team of motivated and driven individuals

Compensation: The compensation range for the role is $100,000 - $150,000 OTE including base and variable. Our ranges are very broad to accommodate all types of candidates and encourage growth. Specific compensation offered to a candidate may be dependent on factors such as education, experience, qualifications, and alignment with market data. Exceptional candidates may receive salaries outside of the posted ranges.

CCPA Disclosure: Sezzle Inc. is committed to protecting the privacy of our job applicants. In compliance with the California Consumer Privacy Act (CCPA), we inform California residents about the personal information we may collect, the purposes for its collection, and your rights under the CCPA. For details about the categories of personal information we collect and your rights under the CCPA, please visit the California Office of the Attorney General's CCPA page. By submitting your application, you acknowledge that you have read and understood this CCPA disclosure.

Equal Employment Opportunity: Sezzle Inc. is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, national origin, age, disability, genetic information, pregnancy, or any other legally protected status. Sezzle recognizes and values the importance of diversity and inclusion in enriching the employment experience of its employees and in supporting our mission.

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