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Raisin · Sandy, Utah, United States
Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing . Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The Fraud and Risk Operations team safeguards Raisin’s U.S. business by monitoring, detecting, and mitigating risks across the customer lifecycle. We manage fraud prevention, investigations, payments risk, fraud recovery, and while supporting 2nd line AML/KYC oversight. It partners closely with Product, Engineering, Compliance, and Customer Service to ensure safe and frictionless customer experiences. As a multi-bank deposit marketplace targeting rapid growth, Raisin faces complex, evolving multi-vector fraud challenges across onboarding, identity verification, bank linking, and money movement. Fraud and Risk Operations is at the center of designing the strategies, controls, and analytical foundations that protect the platform at scale. Your Responsibilities This role directly reports to the Head of Fraud Operations and is a senior expert role at Raisin US. We are looking for a Fraud Operations Specialist to assist in the design, building, and optimizing our fraud prevention and detection framework. In this role, you will be responsible for creating both predictive (pre-transaction/real-time mitigation) and detective (post-transaction/monitoring) rules within our risk platform. You will analyze emerging fraud patterns, balance fraud mitigation with user friction, and collaborate with product, engineering, payments, service and other allied teams to protect the Raisin platform and its customers while optimizing transaction approval rates. Predictive & Preventative Strategy (Real-Time Rules) Real-Time Rule Authoring: Design, test, and deploy real-time logic within the risk rules engine (e.g., velocity checks, device fingerprinting triggers, IP risk thresholds, and behavioral anomalies, etc.) to intercept fraudulent actions during the entire customer lifecycle. Risk Model Integration: Partner with internal and external platform partners to integrate,