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Creem, a pre-seed fintech company, is seeking a Senior Fraud Investigator to build and lead its fraud operations function in-house. Currently handled by external consultants, this role owns the operational side of the fraud and risk program: monitoring suspicious activity, investigating flagged cases, making merchant retention/restriction/offboarding decisions, and communicating with merchants.
You will be the human layer on top of automated fraud prevention systems. You investigate what systems flag, make judgment calls that automation cannot, and feed learnings back into rules and scenarios to continuously improve the program. As a Merchant of Record, Creem faces risk from both sides—merchants abusing the platform and end-customers defrauding merchants (card testing, stolen cards, trial/refund abuse, account takeover).
Key responsibilities include: monitoring and analyzing platform activity for fraud and policy violations; investigating flagged merchants and suspicious transactions; making decisive, auditable decisions on merchant status; communicating directly with merchants (firm with bad actors, professional with legitimate ones); recommending additional controls based on casework patterns; contributing to fraud detection rule development; automating and improving operational processes; maintaining clear documentation; and building internal fraud expertise to eliminate reliance on external consultants.
Success means flagged cases are investigated and decided quickly within SLAs with documented rationale; legitimate merchants experience minimal friction; casework systematically feeds the automated program (manual investigations become rules); offboarding is methodological and audit-trailable; and external consultant engagement is no longer needed.
You bring 5+ years of fraud operations, investigations, transaction monitoring, or merchant risk experience at a PSP, Merchant of Record, acquirer, fintech, or high-volume online merchant. You have strong investigative instincts, sound judgment for independent decisions, analytical skills (SQL or similar data work is a plus), excellent communication for sensitive merchant conversations, working knowledge of compliance/onboarding/verification/network expectations, and an owner's mindset to run autonomously and improve processes.
