Our Fraud Risk Risk and Data Science team is looking for a Director, Risk, Rule & Strategy to help members and partners stay protected. This role will report directly into the Head of Fraud Data Science & Analytics and will work with cross functional internal teams (Data, Product, Engineering, BD.
What You'll Do:

• Direct and manage the activities and personnel of Credit Karma Money’s Decision science organization including hiring, training, talent development and performance management.
• Inspire, lead and scale a team of decision scientists in close collaboration with other product and risk leaders.
• Continue to move the team toward utilizing robust analytics and data-driven strategies to optimize risk rules and strategies to minimize risk while ensuring satisfactory customer experience, aligning with fraud risk and credit risk appetite thresholds.
• Collaborate with the Data Science team to prioritize new model candidates to effectively execute risk strategies
• Partner with Engineering, Product, and cross-functional teams to inform, influence, support, and execute strategy and the roadmap for the existing and emerging risk space at Credit Karma
• Manage cross-functional resources to develop and maintain policy and fraud rules and strategies, optimize the use of machine learning models, and define data requirements for enhancing fraud management strategies.
• Shape the short and long-term technical and data vision and strategy for current and new risk data capabilities to drive revenue and member value, while simultaneously managing losses
• Oversee the identification, analysis, and calibration of data, software/tools, and foundational infrastructure to reduce risk.
• Leverage and continue to develop a deep understanding of large scale risk systems, their operational maturity and broader industry challenges, to identify present and future risks and opportunities
• Identify and help prioritize strategic automated capabilities required for effective execution of risk strategies (e.g., document verification, real-time notifications, limits on digital card provisioning).
• Collaborate with product teams to identify fraud risks and vulnerabilities, proposing mitigation strategies for new product development or customer interaction events.
• Assess industry trends, regulatory guidance, and best practices to continuously improve processes and meet evolving fraud threats.
• Collaborate with fraud operations and investigations teams to identify root causes and defects, proposing control strategies for mitigation.
• Develop and manage relationships with fraud detection vendors.
• Maintain close contact with external stakeholders, including peer institutions, regulatory bodies, and law enforcement, to stay informed about evolving fraud trends and risk management practices.
• Exhibit intellectual curiosity, intrinsic drive, decisiveness, and resilience with ambiguity and complexity.

What we are looking for:

• Bachelor’s degree in econometrics, statistics or a related field from an accredited college or university
• 10 years of Fraud/Risk Management experience
• Proven track record of creating and implementing company-wide data strategies from a Fraud/Risk management and Data Science perspective
• Experience in managing relationships and partnering with groups like engineers, product managers, and other leaders to build systems & strategies
• Comfortable working with complex data environments and with big data and machine learning techniques
• Ability to lead and manage a team of data scientists and risk professionals

Benefits at Credit Karma includes:

• 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