Join the Tilt team

At Tilt, we see a side of people that traditional lenders miss. Our mobile-first products and machine learning-powered credit models look beyond credit scores, using over 250 real-time financial signals to recognize real potential. With millions of customers worldwide, we're not just changing how people access financial products — we're creating a new credit system that backs the working, whatever they're working toward.

The Opportunity

Tilt is hiring a Lead Risk Investigator to own our most complex fraud investigations from end to end — the multi-week fraud rings, systemic attack patterns, and cross-product cases that don’t fit neatly into a queue. This is an advanced individual-contributor role: you won’t manage people, but you’ll operate as the senior-most investigative authority on the team, running project-scale investigations, setting the bar other investigators calibrate against, and representing Risk Operations’ fraud findings directly to leadership. You’ll partner closely with Compliance, Product, Engineering, and Data to turn what you find into rule changes, product fixes, and process improvements.

In your first year, success will look like:

• You’ve independently led at least one major fraud investigation — a ring, a coordinated attack, or a systemic pattern — from initial signal through root-cause analysis, remediation plan, and executive-ready readout.

• You’re the default escalation point for the team’s hardest fraud cases, and Team Leads and Sr Risk Investigators route their most ambiguous casework through you.

• You’ve driven at least one fraud rule, threshold, or process change off the back of your own pattern analysis, with a measurable effect on loss rate or false-positive rate.

• You’ve represented Risk Ops fraud findings in a cross-functional or leadership forum, translating investigative detail into decisions and tradeoffs non-investigators can act on.

How You’ll Make an Impact

Project-Scale Fraud Investigations

• Lead project investigations: Own the investigation of Tilt’s most complex fraud events end to end — coordinated fraud rings, systemic attack patterns, and cross-product schemes — from initial signal through root-cause analysis, account remediation, and a leadership-ready readout.

• Set the investigative bar: Take direct ownership of the hardest, most ambiguous referrals — identity theft rings, first- vs. third-party fraud disputes with no clean precedent — and build the investigative framework other cases get measured against.

• Lead incident response: Act as the senior investigative lead during fraud incidents — scoping the impacted population, directing account and merchant-level containment, and owning the post-mortem that drives lasting remediation.

Fraud Strategy & Tooling

• Turn cases into controls: Use investigation findings to drive fraud rule, threshold, and control changes — partnering with Compliance and Fraud Strategy so tuning reflects what you’re actually seeing in casework, not just alert volume.

• Own vendor evaluation: Take a lead role in fraud vendor evaluations (identity, device, and behavioral tooling), assessing how new tools would change investigative capability, not just alert coverage.

• Bring the data: Use SQL/Databricks to build the analysis behind your investigations — hit-rates, false-positive rates, loss attribution — and package it for both investigators and executives.

Cross-Functional Leadership

• Be the fraud voice in the room: Represent Risk Operations’ fraud findings directly to Compliance, Product, Engineering, and leadership — translating investigative detail into the tradeoffs they need to act on.

• Mentor without managing: Serve as the go-to fraud subject-matter expert for Team Leads, Sr Risk Investigators, and BPO partners — reviewing casework, unblocking hard calls, and formalizing playbooks so investigative quality holds as volume scales. This is a senior IC role: you won’t have direct reports, but you’ll be a de facto technical leader on the team.
  

Why You’re a Great Fit

Required

• 8+ years in fraud investigations, risk operations, or financial crimes, including direct experience running complex, multi-week investigations independently — not just working a queue.

• Deep, practical mastery of fraud typologies across card, ACH, and P2P — account takeover, identity fraud, first- and third-party fraud, coordinated fraud rings, and payments fraud.

• Practical working knowledge of consumer protection regulation as it applies to fraud and disputes — FCRA, Reg Z, Reg E — and comfort operating under BSA/AML referral processes.

• A track record of taking a fraud investigation all the way through to a rule, control, or process change, and defending that reasoning under audit or regulatory scrutiny.

• Comfort working in data — able to query and interpret fraud data (SQL or similar), build the analysis behind an investigation, and present it to both investigators and executives.

• Experience with fraud and identity tooling such as Alloy, Socure, Persona, LexisNexis, Sardine, or close equivalents, including evaluating or helping select tools.

• Strong written and verbal communication — able to translate a complex investigation into a clear, decision-ready narrative for leadership.

Preferred

• Experience in fintech, banking, or consumer lending under an active regulatory exam environment.

• Experience operating as a senior IC or informal technical lead — setting standards and unblocking others’ casework without formal management authority.

• Familiarity with credit bureau dispute processes (ACDV/e-Oscar) and how fraud-driven tradeline deletions flow through credit furnishing.

• Certified Fraud Examiner (CFE) designation

Our Interview Process

1. Initial recruiter call: A conversation to learn about your experience and what you’re looking for in your next role.

2. Hiring manager interview: A deeper discussion with the Head of Risk Operations about your investigative background and how you’ve run complex, project-scale cases.

3. Skills panel: A case-based conversation with Risk Ops team members — walk through a real fraud investigation you led end to end, including how you turned it into a rule or process change.

4. Final conversation: A conversation with Risk Ops and cross-functional leadership to discuss fit, career goals, and how you’d operate as a senior IC on the team.

Don’t meet every qualification? We care about potential over your past. If you're bringing ambition and drive to what we're building, we want to hear from you.

What you'll get at Tilt

• Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.

• Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.

• Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.

• Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly.

• Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)

• Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

The Tilt Way

We're looking for people who chase excellence and impact. Those who stand behind their work, celebrating the wins and learning from the missteps equally. We foster an environment where every voice is valued and mutual respect is non-negotiable — brilliant jerks need not apply. We're in this together, working to expand access to fair credit and prove that people are incredible. When you join us, it's not just another day at the [virtual] office, you're helping millions of hardworking people reach better financial futures.

You’re pushing ahead in your career? We can get behind that. Join us in building the credit system that people deserve.