Early Warning

Come build the next-gen fintech at Early Warning, network operator of Zelle®, where we’re relentlessly focused on empowering prosperity in all its forms.

From fast money movement for over 100 million people who can access Zelle® directly through their banking app to new account opening and beyond – we make a difference in the lives of consumers and businesses every day and enable them to live their best financial lives. And we’re only getting started.

With new state-of the-art offices in Scottsdale, AZ (Headquarters), Chicago, IL, San Francisco, CA – plus a growing presence in New York City – we’re entering our next big chapter. We focus all hiring efforts in a few states and within driving distance of an office location to enable in-person collaboration when and where possible. Priority hiring locations are Scottsdale, AZ, Chicago, IL, NY tri-state metro area (New Jersey, New York and Connecticut) and San Francisco, CA. We are not actively recruiting in Rhode Island.

People matter to us, so we think our best work is done when we’re together, in-person. From informal interactions, to sharing ideas, to mentoring and beyond. We also believe in workplace flexibility and empowering teams to determine the rhythm of work to create an inclusive culture. Through the power of innovative collaboration, we offer hybrid and (when necessary) virtual (“remote”) workplace models.

Join us and make your mark on what’s next in fintech.

• Applicants must be authorized to work for any employer in the United States. We are unable to sponsor an employment Visa for this position.

Overall Purpose

This position plays a crucial role in managing and strengthening relationships across the Early Warning organization to include but not limited to technology, security, product, operations, and risk to mitigate fraud in the network and/or changes to the threat environment for the purpose of assessing the impact on the experience, expense or risk exposure within the network. This role will also be similarly accountable to interact with, jointly assess and manage the risk and consequent optimization for the participants in the network.

Essential Functions

• Develops and maintains strong relationships with key participants in the network or stakeholders, understanding their needs and challenges related to fraud prevention.
• Provides expert advice and solutions to participants in the network for fraud prevention, including the latest technologies and practices in the industry.
• Tailors strategies and solutions that meet specific client needs in collaboration with internal fraud prevention team.
• Assess and recommend the application of scores and rules to deliver the optimal balance of risk, expense and experience for clients, consumers, and partners in the network.
• Create and apply of data driven insights for constant monitoring of effectiveness, efficiency, and opportunities in the execution of managing fraud risk.
• Educates participants in the network on fraud risks and prevention techniques. Provides training sessions or materials as necessary.
• Gathers feedback from network participants on fraud prevention strategies and services, using this information to improve and adapt offerings.
• Assesses internal and external risk to identify potential areas of vulnerability and recommend appropriate measures.
• Provides regular reports to both participants in the network and internal teams on fraud trends, the effectiveness of prevention strategies, and areas for improvement.
• Liaisons with various departments within the organization, such as IT, legal, and compliance, to ensure a comprehensive approach to network participants’ needs.
• Creates communication to internal/ external stakeholders regarding industry trends, emerging threats, and new technologies in fraud prevention to continuously enhance service offerings.
• Manage participants in the network in managing and resolving fraud incidents when they occur, providing expert guidance and support.
• Support the company's commitment to protect the integrity and confidentiality of systems and data.
• The above job description is not intended to be an all-inclusive list of duties and standards of the position. Incumbents will follow instructions and perform other related duties as assigned by their supervisor.

Minimum Qualifications

• Bachelor’s degree or equivalent education/experience required.
• Minimum 5 years of fraud risk management experience in fraud prevention, fraud strategy, fraud analytics, risk management, or a related field, with a focus on participants in the network relationship management.
• Strong understanding of fraud prevention techniques and technologies.
• Excellent communication, negotiation, and interpersonal skills.
• Experience with financial institutions in the area of fraud risk management
• Experience with digital banking, payments and/or payment networks
• Proven track record of converting concepts to analysis to cases for change
• Exceptional executive presence, written and verbal communication skills
• Proactive and able to anticipate participants in the network needs.
• Ability to work under pressure and manage challenging situations effectively.
• Background and drug screen

Preferred Qualifications

• Knowledge of relevant legal and regulatory frameworks.
• Ability to analyze complex data and present findings clearly.
• SQL/SAS or comparable analytic coding certification
• Quality Control and/or Independent Testing development and management
• Process Design or Process Re-engineering experience
• Additional related education and/or experience preferred

Physical Requirements

Working conditions consist of a normal office environment. Work is primarily sedentary and requires extensive use of a computer and involves sitting for periods of approximately four hours. Work may require occasional standing, walking, kneeling, and reaching. Must be able to lift 10 pounds occasionally and/or negligible amount of force frequently. Requires visual acuity and dexterity to view, prepare, and manipulate documents and office equipment including personal computers.

Employee must be able to perform essential functions and physical requirements of position with or without reasonable accommodation.

The pay scale for this position in:

Phoenix, AZ in USD per year is: $120,000 - $140,000.

This pay scale is subject to change and is not necessarily reflective of actual compensation that may be earned, nor a promise of any specific pay for any specific candidate, which is always dependent on legitimate factors considered at the time of job offer. Early Warning Services takes into consideration a variety of factors when determining a competitive salary offer, including, but not limited to, the job scope, market rates and geographic location of a position, candidate’s education, experience, training, and specialized skills or certification(s) in relation to the job requirements and compared with internal equity (peers). The business actively supports and reviews wage equity to ensure that pay decisions are not based on gender, race, national origin, or any other protected classes.

Additionally, candidates are eligible for a discretionary bonus, and benefits.

Some of the Ways We Prioritize Your Health and Happiness 

• Healthcare Coverage – Competitive medical (PPO/HDHP), dental, and vision plans as well as company contributions to your Health Savings Account (HSA) or pre-tax savings through flexible spending accounts (FSA) for commuting, health & dependent care expenses.
• 401(k) Retirement Plan – Featuring a 100% Company Safe Harbor Match on your first 6% deferral immediately upon eligibility.
• Paid Time Off – Unlimited Time Off for Exempt (salaried) employees, as well as generous PTO for Non-Exempt (hourly) employees, plus 11 paid company holidays and a paid volunteer day.
• 12 weeks of Paid Parental Leave
• Maven Family Planning – provides support through your Parenting journey including egg freezing, fertility, adoption, surrogacy, pregnancy, postpartum, early pediatrics, and returning to work.

And SO much more! We continue to enhance our program, so be sure to check our Benefits page here for the latest. Our team can share more during the interview process!

Early Warning Services, LLC (“Early Warning”) considers for employment, hires, retains and promotes qualified candidates on the basis of ability, potential, and valid qualifications without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote equal employment opportunity and affirmative action, in accordance with all applicable federal, state, and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our employees.