Fraud Analyst Jobs in Riverside, CA (NOW HIRING)

Collectors is the leading creator of innovative technology that provides value-added services for collectors worldwide. We grade, authenticate, vault, and sell millions of record-setting collectibles, all while modernizing and digitalizing the process to further our mission of helping collectors pursue their passions. We're always on the lookout for talented people to join our growing team.

Our services span collectible trading cards, autographs, comic books, coins, video games, event tickets, and memorabilia. Our subsidiaries include PSA, PCGS, Beckett, SGC, and Card Ladder.

Since our founding in 1986, we have graded and authenticated millions of items. We employ more than 3000 people across our headquarters in Santa Ana, California and offices in New Jersey, Texas, Florida, Japan, Shanghai, Hong Kong, Canada, Mexico, Germany, and France.

As part of our interview process, we request that candidates have their cameras on during video interviews. This helps foster meaningful conversation and allows us to create an experience that closely resembles our standard working environment. Certain interview steps may take place by phone. For remote roles, and at our discretion, candidates may be asked to participate in an on-site interview as part of the final stages of the process.

We understand there may be occasional circumstances requiring accommodation and are happy to discuss them as needed. Your recruiter will be able to clarify expectations and answer any questions you have.

Collectors is establishing a single senior leader to own Risk and Compliance across two high-growth, high-scrutiny areas of the business: our emerging Financial Services (FS) business unit, where debt and lending products are the current focus, and fraud prevention across our core Marketplace and Power Packs offerings. As the Head of Risk & Compliance, this leader will stand up and scale the control environment that lets these businesses grow quickly without taking on undue regulatory, financial, or reputational risk.

This is a builder role. The successful candidate will design the compliance management system for a regulated lending business from the ground up, while simultaneously maturing fraud defenses across a large consumer marketplace and a chance-based product line. They will translate a complex regulatory landscape into pragmatic, automated controls that the business can operate at scale, and will serve as the company's senior point of contact on lending, AML, and fraud matters as Collectors prepares for the heightened governance expectations of a public company.

What You'll Do:

Financial Services - Lending Risk & Compliance

• Compliance management system. Design, implement, and own the end-to-end compliance management system (CMS) for the FS business - governance, policies and procedures, monitoring and testing, complaint management, issue remediation, and change management.

• Consumer lending regulatory framework. Build the program to comply with applicable lending regulations, including TILA / Regulation Z, ECOA / Regulation B and fair-lending obligations, FCRA / credit-reporting requirements, UDAAP standards, GLBA privacy and safeguards, SCRA / Military Lending Act considerations, FDCPA-aligned servicing and collections practices, and state usury and rate limitations.

• Licensing & regulatory strategy. Determine and execute the licensing approach (e.g., state lending / financing licenses or a bank-partnership model), maintain the licensing calendar, and serve as the primary relationship owner for regulators and examiners.

• BSA / AML & sanctions. Stand up the AML program for the lending business - KYC / CIP, customer due diligence, transaction monitoring, OFAC / sanctions screening, and SAR governance - and ensure consistency with marketplace AML obligations.

• Bank-partner & third-party oversight. Where products are delivered through a sponsor bank or other partners, own the partner-oversight and vendor-risk program to meet third-party risk-management expectations.

• Credit & collateral risk governance. Partner with FS product and finance leaders on underwriting policy, credit-risk appetite, LTV and concentration limits, and, for asset-backed lending, collateral valuation, custody controls, and default / liquidation procedures for vaulted assets.

Marketplace & Power Packs - Fraud Prevention

• Enterprise fraud strategy. Define and own the fraud-prevention strategy across Marketplace and Power Packs, balancing loss reduction against customer friction and conversion.

• Detection & decisioning infrastructure. Build and tune the fraud-detection stack - rules engines, machine-learning models, device and identity signals, and manual-review workflows - in partnership with Product and Engineering.

• Fraud typologies. Identify and address the full set of marketplace risks: payment fraud and chargebacks, account takeover, seller and listing fraud, counterfeit / authenticity and slab-tampering abuse, collusion and shill activity, promotion abuse, and laundering of value through high-worth collectibles.

• Power Packs & chance-based product compliance. Own the risk and compliance posture for randomized / chance-based offerings - odds disclosure and transparency, eligibility and age controls, sweepstakes / gaming and state-by-state regulatory analysis, and terms-of-service alignment - working closely with Legal.

• Fraud operations & metrics. Establish the fraud-operations function and case management, define loss and chargeback KPIs, and report fraud rates, recoveries, and false-positive impact to leadership.

Enterprise Risk Program & Governance

• Risk framework & appetite. Establish the enterprise risk framework, risk-appetite statements, and key risk indicators spanning the FS and marketplace mandates.

• Leadership & Board reporting. Produce clear, decision-ready risk and compliance reporting for the SVP of Financial Operations, the executive team, and - as appropriate - the Audit / Risk Committee of the Board.

• Audit & examination readiness. Maintain documentation, controls evidence, and a state of readiness for internal audit, external audit, regulatory examination, and IPO-related diligence; coordinate with SOX and internal-controls efforts.

• Policy, training & culture. Author enterprise risk and compliance policies, deliver targeted training, and embed a practical risk-aware culture across product and operating teams.

• Cross-functional partnership. Operate as a trusted partner to Legal, Finance, Marketplace, FS Product, Engineering, Trust & Safety, Customer Service, and the grading brands - turning requirements into controls the business can actually run.

• Team building. Recruit, structure, and lead the Risk & Compliance team, scaling headcount and managed-services support in line with the FS roadmap and fraud-volume growth.

Who You Are:

Required Qualifications:

• 12+ years of progressive experience in risk and compliance, with senior leadership tenure spanning both regulated consumer lending / fintech and payments or marketplace fraud.

• Demonstrated, hands-on knowledge of the U.S. consumer-lending regulatory framework (TILA / Reg Z, ECOA / Reg B, FCRA, UDAAP, GLBA, state licensing and usury) and of BSA / AML, KYC, and OFAC requirements.

• Track record building a compliance management system or fraud-prevention function from an early stage and scaling it - not solely operating a mature, inherited program.

• Experience leading fraud strategy and detection in a high-volume, high-AOV consumer environment, working directly with data, product, and engineering teams on rules and ML-based decisioning.

• Strong executive communication: able to brief the finance leadership team and Board-level audiences and to influence product and engineering roadmaps.

• Proven people leader who has built and developed teams, with the credibility to own regulator and examiner relationships.

Preferred Qualifications:

• Experience in a pre-IPO or newly public company, including audit, SOX, and underwriter / regulatory diligence.

• Exposure to asset-backed or collateralized lending, custody / vaulting, or lending against alternative or high-value assets.

• Familiarity with bank-partnership (sponsor-bank) lending models and third-party / vendor risk management.

• Knowledge of sweepstakes, gaming, or chance-based product regulation across U.S. states.

• Relevant certifications e.g., CAMS (AML), CRCM (regulatory compliance), CFE (fraud), or CRCMP.

• JD or advanced degree in a related field is a plus; not required.

Salary Range: The salary range for this position is $197,217 - $280,146. Actual compensation on this range varies based on a variety of non-discriminatory factors, including location, job level, experience, and skill set. This role may be eligible for bonuses, commissions, or other forms of compensation, please ask your recruiter for details.

Reasons To Join Us:

• Health Insurance: All full-time employees are eligible to enroll in Medical, Dental, and Vision

• Additional Benefits: Full-time employees are eligible for fertility, commuter, and educational assistance benefits

• 401(K) Matching Plan: We are proud to offer a competitive 401k matching plan to our employees to support their future financial goals

• Vacation: All salaried employees are eligible for flexible time-off

• Holiday Pay: All regular, full-time employees are eligible for ten company paid holidays

• Employee Discounts: Employees receive discounts on select grading services for approved submissions

• Flexible Hours: Many of our teams offer flexible schedules with varying shifts and will work with you to accommodate your needs

• Fun Working Environment: Our team members are invited to participate in celebrations, holiday events, and team building activities

Candidates must be authorized to work in the United States.

Collectors uses e-Verify to validate your ability to work legally in the United States.

We are aware that there are instances where individuals are receiving job offers that fraudulently allege to be from Collectors or one of our business units. This type of fraud can be carried out through false websites, through fake e-mails claiming to be from the company or through social media. We never ask for personal information such as your bank account, Social Security numbers or National IDs, nor do we send or request payments for the purchase of business-related equipment. If you suspect fraud, please reach out to people@collectors.com.

We are committed to equal employment opportunity regardless of race, color, ethnicity, ancestry, religion, national origin, gender, sex, gender identity or expression, sexual orientation, age, citizenship, marital or parental status, disability, veteran status, or other class protected by applicable law. We believe that a team that represents a variety of backgrounds, perspectives, and skills will better service the diverse community of collectors we support.

If you require an accommodation to apply or interview with us due to a disability or special need, please email people@collectors.com.

U.S. residents: for disclosures relating to personal information we collect during the employment application and recruitment process, please see our Privacy Notice for U.S. Applicants.

If you are based in California, you can read information for California residents here.