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EtherFi is one of the largest crypto companies globally, managing over $10B in assets under management with a ~50-person team focused on building real consumer financial applications. The company has been profitable since inception and is building true on-chain banking products including Stake, Liquid, and Cash—enabling users to earn yield through DeFi strategies and spend assets globally via a credit card program.
You'll join the credit card transaction team to drive the success of the card program and its risk systems. The role spans two core pillars:
**Transaction Stack:** Investigate and eliminate causes of declined transactions, failed authorizations, stuck holds, and user friction points during spending. You'll proactively identify patterns and ship fixes that improve the product experience.
**Fraud & Risk:** Today's defense is largely reactive; you'll make it proactive. Build rules, monitoring, and internal tooling while also operating hands-on—pulling data, investigating cases, understanding attacker methods, and converting findings into preventive rules. You'll hunt fraud and abuse patterns including card testing, cashback farming, merchant abuse, friendly fraud, and multi-account rings.
**Key Responsibilities:**
- Hunt down and eliminate causes of declines, failed authorizations, and user friction
- Improve the card program as a product by finding and fixing real-world breaks
- Own the fraud stack: rules, queues, and scoring logic in Sardine plus real-time monitoring and alerting
- Investigate live cases hands-on; query transaction data, root-cause patterns, and propose controls
- Build internal tools, dashboards, and scripts for risk and CX teams
- Work closely with Product, CX, Compliance, and card/fraud vendors
**Requirements:**
- 4+ years professional coding experience shipping products
- Strong software engineering fundamentals and problem-solving
- Product sense and genuine care for user experience
- Comfortable querying and analyzing data; prefer digging into data yourself
- Genuine interest in adversarial problems and pattern recognition in noisy data
**Preferred:**
- Fintech, neobank, card issuer, or issuer processor experience
- Card issuing or transaction processor background
- Knowledge of card/payment fraud mechanics (card testing, BIN attacks, friendly fraud, merchant collusion, cashback farming)
- Experience with fraud decisioning or transaction monitoring platforms
- Hands-on fraud investigation or dispute experience
