Senior Fraud Specialist

Intuit Credit Karma is a mission-driven company focused on championing financial progress for our more than 140 million members globally. While were best known for pioneering free credit scores our members turn to us for everything related to their financial goals including identity monitoring applying for credit cards shopping for insurance and loans (car home and personal) and savings accounts and checking accounts* all for free. Credit Karma has grown significantly through the years: we now have more than 1700 employees across our offices in Oakland Charlotte Culver City San Diego London Bangalore and New York City.

*Banking services provided by MVB Bank Inc. Member FDIC

As a Senior Fraud Specialist on the Financial Forensic Investigations team youll be the person we count on when activity looks off but the answer isnt obvious. Youll investigate complex anomalies connect signals across cases to disrupt coordinated fraud and help drive incident response when emerging threats spike. This role blends deep investigative judgment with strong technical analysis (SQL spreadsheets) and cross-functional partnership to turn findings into durable mitigations.

Some travel (10% domestic) may be required during onboarding and team alignment. This role may also require extended hours and/or holiday coverage during peak fraud periods or active incidents.

What youll do:

• Lead complex investigations that go beyond standard queue worktriaging high-risk anomalies validating hypotheses and documenting defensible outcomes.
• Identify and disrupt organized fraud by connecting patterns across accounts devices behaviors transactions and related signalsbuilding cases that drive action.
• Support incident response by helping coordinate rapid triage exposure quantification mitigation recommendations and post-incident root cause analysis (RCA).
• Build and maintain repeatable analytics using SQL and advanced spreadsheets to accelerate investigations track outcomes and improve consistency of decisions.
• Turn insights into action by translating investigative findings into clear recommendations that strengthen controls close monitoring gaps and reduce recurrence.
• Communicate clearly under pressuresummarizing complex data into concise narratives for cross-functional stakeholders and leadership.
• Partner cross-functionally with Product Engineering Data Science/Analytics and Policy to operationalize mitigations and improve end-to-end fraud defense.

Whats great about the role:

• Youll work on the problems that dont come with a playbookwhere your judgment and curiosity make the difference.
• Youll have meaningful ownership: from first signal investigation recommendation follow-through.
• Youll collaborate with teams across Credit Karma and help shape how we respond to fast-moving fraud threats.

Minimum Basic Requirements:

• 46 years experience in fraud investigations fraud analytics risk operations or financial forensic work (fintech banking payments e-commerce or financial services).
• Intermediate SQL skillsable to write and modify queries independently to extract join and analyze data (not just run existing reports).
• Advanced Excel/Google Sheetscomfortable building investigation trackers models and complex analysis with large datasets.
• Demonstrated strength in critical thinking and navigating ambiguity especially when SOPs dont exist yet.
• Strong written and verbal communicationable to synthesize complex findings into clear action-oriented summaries.
• Ability to manage multiple priorities and pivot quickly based on severity exposure and operational urgency.
  
  

Preferred Qualifications:

• Experience with fraud ring investigations coordinated abuse or large-scale fraud events.
• Familiarity with incident management practices (triage containment mitigation retrospective/RCA).
• Comfort partnering with technical teams to translate operational problems into requirements and measurable outcomes.
• Experience working in fast-paced environments where decisions must balance risk reduction and customer/member impact.
• Bachelors degree in a relevant field (Finance Accounting Criminal Justice Data/Analytics or similar) or equivalent practical experience.

Benefits include:

• Medical and Dental Coverage
• Retirement Plan
• Commuter Benefits
• Wellness perks
• Paid Time Off (Vacation Sick Baby Bonding Cultural Observance & More)
• Education Perks
• Paid Gift Week in December

Equal Employment Opportunity:

Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race color religion age marital status sex (including pregnancy childbirth or related medical condition) sexual orientation gender identity or gender expression national origin veteran or military status disability (physical or mental) genetic information or other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance laws.

Credit Karma is also committed to a diverse and inclusive work environment because it is the right thing to do. We believe that such an environment advances long-term professional growth creates a robust business and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. Weve worked hard to build an intensely collaborative and creative environment a diverse and inclusive employee culture and the opportunity for professional growth. As part of the Credit Karma team your voice will be heard your contributions will matter and your unique background and experiences will be celebrated.

Privacy Policies:

Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies:

US Job Applicant Privacy Notice

UK Job Applicant Privacy Notice

India Job Applicant Privacy Notice