Senior Fraud Analyst

About Bilt

Bilt is the membership for where you live, transforming rent and mortgage payments into valuable rewards while connecting members with exclusive benefits in their neighborhood. With every on-time rent or mortgage payment, Bilt Members earn Bilt Points – the industry's most valuable and flexible points currency. They can transfer their points 1:1 to their favorite airlines or hotels with our industry leading travel program, use them for future rent payments, redeem for everyday purchases, or save them for a down payment on a home. Plus, unlock exclusive rewards on the 1st of every month with Rent Day®. Bilt Members get even more value at their favorite local spots with exclusive Neighborhood Benefits™ at local restaurants, fitness studios, pharmacies, on Lyft rides, and more–over 45,000 merchants nationwide. When they use any linked card with our neighborhood partners, they’ll earn Bilt Points and access special experiences including complimentary items, member events, and more. While Bilt Members can use many payment methods to earn points and access their benefits, Bilt has a suite of 3 cards offering the richest rewards in the market - and the first and only card suite that lets you pay rent and earn points without the transaction fee.

What’s the role?

We're looking for a Senior Fraud Analyst to join our Identity & Fraud Strategy team. This role sits at the center of Bilt's fraud program — spanning identity/KYC and account integrity, checkout and payment flows, account takeover (ATO), and loyalty/rewards abuse. This is a high-ownership, individual contributor role. You'll move fluidly between investigations and building prevention systems: deploying detection logic, improving workflows, and hardening product experiences against new fraud patterns. You'll partner closely with Product, Engineering, Customer Experience, Compliance, and our banking/payment partners to respond quickly to emerging threats. This isn't primarily a queue-processing role. We need someone who can spot a new attack pattern and have mitigations live quickly — whether that's rules, threshold changes, risk-based step-up, workflow updates, or partner escalation.

In this role, you will own…

Identity, KYC & Account Integrity

Investigate identity risk signals across onboarding and account lifecycle (synthetic identity, compromised credentials, risky device/email/phone patterns) and build detection logic and monitoring to catch bad actors early. Improve KYC/fraud decisioning and verification workflows, balancing fraud prevention with approval rate and member experience. Partner with Compliance on identity-related controls, escalation paths, and documentation standards.

Checkout & Payments Fraud

Monitor and investigate fraud patterns across checkout/payment surfaces — first-party fraud, promo abuse, anomalous purchase behavior. Ship detection rules, velocity controls, and step-up triggers that reduce loss without adding member friction. Develop and continuously optimize 3DS policies and routing to improve fraud outcomes without degrading conversion, in partnership with payment processors and issuer stakeholders.

Account Takeover (ATO)

Investigate ATO cases end-to-end to identify compromise vectors and repeatable patterns. Harden authentication and account recovery flows using risk-based decisioning (step-up, device trust, velocity/behavioral flags). Define and iterate on detection logic and response playbooks covering containment, member communications, and monitoring.

Tooling, Monitoring & Cross-Functional Work

Work hands-on with our fraud stack to build and tune rules, signals, decisioning logic, and case workflows. Help evaluate new vendors and tooling as the program scales. Serve as fraud SME in product and engineering discussions and maintain operating rhythms with CX, Compliance, and partners for escalations and post-mortems.

In Terms Of Qualifications, We’re Seeking

• 3 – 5+ years in fraud prevention, risk strategy, or fraud analytics — ideally in fintech, payments, banking, or e-commerce.
• Demonstrated experience in either (or ideally both): identity/KYC + account integrity risk, and/or checkout / e-commerce-style payment fraud (behavioral + transaction patterns, velocity, abuse tactics).
• Analytical mindset: you can pull the data you need (or work with partners to get it), use AI tools to accelerate analysis and investigation, and pressure-test results; basic SQL familiarity preferred.
• Proven track record shipping production mitigations (rules/decisioning/workflows), not just investigating.
• Clear communicator who can translate fraud risk into language that resonates with product, compliance, CX, and external partners.
• High ownership: you find what's wrong, prioritize the work, and drive it to resolution.

Benefits

• Compensation - We offer a competitive salary with a meaningful stake in the company via equity and our performance bonus program.
• Medical Insurance (for you and your loved one) - We offer a variety of different subsidized medical plans (with dental and vision), including a free HDHP with a company-sponsored HSA contribution. We have you covered from Day 1.
• Wellness Benefits - Enjoy a One Medical Membership, Wellhub (Gympass) Access, family planning programs and more, on us.
• 401k plan with a match - Retirement may feel more like a pipe dream than a reality but we’re here to help you get there.
• Commuter FSAs - We believe the best ideas come from being together in one place. We just don’t think getting there should be so expensive.
• UNLIMITED PTO - Because we believe that working hard shouldn’t mean always working. Take time for yourself as often as you need it.
• Exclusive Employee only Bilt Points - We give our employees unique opportunities to earn points throughout their time at Bilt.
• Team Events - We believe in human connection so we hold events to help our employees break from the monotony of the typical work week.

At Bilt Rewards, we believe in transparency and we do our best to make sure the company and our candidates are on the same page as it relates to compensation. In addition to posting salary ranges for our open roles, candidates should expect to be asked about compensation expectations and requirements early on in their interview process. Our goal is to highlight when expectations and Bilt’s salary range may be out of sync, and work with the candidate to determine whether it makes sense to continue conversations. We are considering candidates with differing levels of expertise for this position. Leveling will be based upon your experience and performance in the interview process. Where a new hire falls within a range will be based on their individual skills and experience, and how these competencies compare across other employees in the same role. Bilt's bands are designed to allow for individual compensation growth within the role. As such, new hires typically start at the lower end of the range. Bilt rewards performance and outcomes - should you join the company, you will have the opportunity to grow your salary over time. The salary range for an Senior Fraud Analyst is $120,000 - 150,000 and will be eligible for equity and an annual performance-based bonus.

Key skills/competency

Senior Fraud Analyst, Fraud Prevention, Risk Strategy, Fraud Analytics, Identity Verification, KYC, Account Integrity, Payment Fraud, Account Takeover, SQL.