Senior Fraud Investigations Analyst

Company Overview

ID.me is the next-generation digital identity wallet that simplifies how individuals securely prove their identity online. Consumers can verify their identity with ID.me once and seamlessly login across websites without having to create a new login and verify their identity again. Over 152 million users experience streamlined login and identity verification with ID.me at 20 federal agencies, 45 state government agencies, and 70 healthcare organizations. More than 600 consumer brands use ID.me to verify communities and user segments to honor service and build more authentic relationships. ID.me’s technology meets the federal standards for consumer authentication set by the Commerce Department and is approved as a NIST 800-63-3 IAL2 / AAL2 credential service provider by the Kantara Initiative. ID.me is committed to “No Identity Left Behind” to enable all people to have a secure digital identity. To learn more, visit https://network.id.me/.

Role Overview

The Senior Fraud Investigations Analyst is crucial in proactively identifying and mitigating fraud threats across ID.me’s member network. This position focuses on high-complexity fraud cases, including account takeover (ATO), stolen identities, and synthetic identities. This role requires competency in SQL for data-driven fraud detection and analysis. The Senior Fraud Investigations Analyst will work cross-functionally with Product, Engineering, Legal, and Security teams to drive fraud-prevention initiatives, enhance fraud detection systems, and influence fraud mitigation strategies.

Responsibilities

• Lead investigations into complex fraud schemes, with a focus on account takeover (ATO), synthetic identity fraud, fraudulent documents, Generative AI risks, and large-scale fraud rings.
• Utilize SQL to query, analyze, and extract insights from large datasets to detect fraudulent patterns and trends.
• Identify systemic fraud risks and work with Engineering and Product teams to enhance fraud prevention mechanisms.
• Act as a subject matter expert (SME) on fraud tactics, techniques, and procedures (TTPs), including credential stuffing, social engineering, and compromised documentation fraud.
• Communicate key trends and investigations to ID.me customers to help them identify and mitigate threat vectors
• Monitor fraudulent transaction activity and behavioral anomalies, identifying emerging fraud trends and recommending mitigation strategies.
• Collaborate with Threat Intelligence, Data Science, and Security teams to enhance ID.me’s fraud defense capabilities.
• Lead fraud escalations, providing actionable recommendations for risk mitigation.
• Present findings and trends to senior leadership and stakeholders in a clear, data-driven manner.
  
  

Basic Qualifications

• 3 years of experience in fraud investigations, threat intelligence, cybersecurity, or risk management, with a focus on account takeover (ATO) attacks.
• 2 years of hands-on experience using fraud detection tools, machine learning models, or risk-scoring methodologies.
• 2 years of experience interpreting fraud indicators, behavioral signals, or transaction monitoring data to drive investigations.
  
  

Preferred Qualifications

• Strong working knowledge of fraud tactics and techniques, including credential stuffing, social engineering, and malware-based ATO.
• Familiarity with malware analysis, risk modeling, and behavioral analytics.
• Proficiency in SQL and querying large datasets for investigative insights.
• Bachelor's degree in Computer Science, Cybersecurity, Data Science, Criminal Justice, or a related field.
• Excellent time management skills and the ability to prioritize competing high-impact investigations.
• Demonstrated ability to clearly communicate technical fraud findings to cross-functional stakeholders with varying levels of technical expertise.
  
  

ID.me is a full-time, in-office culture. Unless a specific job description explicitly states otherwise, all roles are on-site five days per week at one of our offices in McLean, VA; Mountain View, CA; New York City, NY; or Tampa, FL. Certain roles — such as field-based sales or other remote-by-design positions — may have different work arrangements as noted in their individual postings.

ID.me maintains a work environment free from discrimination, where employees are treated with dignity and respect. All ID.me employees share in the responsibility for fulfilling our commitment to equal employment opportunity. ID.me does not discriminate against any employee or applicant on the basis of age, ancestry, color, family or medical care leave, gender identity or expression, genetic information, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran status, race, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable laws, regulations and ordinances. ID.me adheres to these principles in all aspects of employment, including recruitment, hiring, training, compensation, promotion, benefits, social and recreational programs, and discipline. In addition, ID.me's policy is to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by applicable laws, regulations and ordinances where a particular employee works. Upon request we will provide you with more information about such accommodations.

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