Senior Fraud Investigations Analyst

Senior Fraud Investigations Analyst

Role Overview

ID.me is looking for a Senior Fraud Investigations Analyst to join our organization as an execution-focused individual contributor. This role is responsible for leading investigations into account takeover (ATO) activity, identifying fraud patterns at scale, and strengthening detection strategies.

We are seeking a highly skilled analyst who can independently analyze large datasets, uncover coordinated fraud campaigns, and drive improvements in detection systems. This role requires moving beyond case-by-case investigation into trend analysis, signal development, and data-driven decision making.

This role is based out of our McLean, VA office and requires full-time in-office attendance.

Responsibilities

Lead complex account takeover (ATO) investigations, including multi-account and organized fraud activity

Analyze large datasets using SQL, Python, or similar tools to identify trends, anomalies, and attack patterns

Use fraud detection tools, machine learning outputs, and risk-scoring systems to drive high-quality investigations

Independently own investigations from detection through resolution, including clear documentation and recommendations

Identify gaps in detection logic and contribute to improvements in rules, models, and workflows

Partner with engineering, data, and product teams to enhance fraud detection capabilities and signal quality

Act as an escalation point for high-severity or ambiguous fraud cases

Develop and refine investigation playbooks and analytical approaches for ATO detection

Support reporting and analysis of fraud trends, detection performance, and operational metrics

Leverage AI/LLM tools to analyze large datasets, identify fraud patterns, and improve investigation speed and accuracy while validating outputs against source data

Basic Qualifications

Bachelor’s degree from an accredited institution; strong preference for quantitative fields such as Economics, Computer Science, Statistics, Mathematics, or similar

4+ years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks (typically 4–8 years total experience; candidates should have <10 years overall)

2+ years of experience using SQL, Python, or similar tools to analyze data and drive investigations

2+ years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies

2+ years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data

Demonstrated experience analyzing fraud trends beyond individual case investigations (e.g., pattern detection, ring analysis)

Experience using AI/LLM tools to enhance data analysis and investigations, with demonstrated ability to validate and apply outputs effectively

Preferred Qualifications

Experience at a fintech company, technology company, or reputable financial institution

Strong experience analyzing organized fraud rings or large-scale ATO campaigns

Experience influencing fraud detection logic, models, or rule systems

Familiarity with AI/ML techniques applied to fraud detection and risk analysis

Ability to translate analytical findings into actionable improvements for product, engineering, or risk systems

The annual base salary listed does not include a company bonus, incentive for sales roles, equity and benefits which will be determined based on experience, skills, education, relevant training, geographic location and role.

ID.me offers comprehensive medical, dental, vision, health savings account, flexible spending accounts (medical, limited purpose, dependent care, commuter benefit accounts), basic and voluntary life and AD&D insurance, 401(k) with company match, parental leave, ability to participate in unlimited paid time off subject to the terms and conditions of the PTO policy, including 8 company wide holidays, short and long-term disability insurance, accident and critical illness insurance, referral bonus policy, employee assistance program, pet insurance, travel assistant program, wellbeing and childcare discounts, benefit advocates, and a learning and development benefit.

Final offers may vary from the amount listed based on qualifications, professional experiences, skills, education, relevant training, geographic location, and other job related factors.

Pay Range

$90,000—$120,000 USD