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Fraud Strategy Manager Jobs in California (NOW HIRING)

Thunes

Fraud Risk Manager

San Francisco, CA · On-site

Key Responsibilities Fraud Strategy & Program Development * Develop and maintain the enterprise ... Fraud Operations Management * Oversee fraud investigations, case management, and operational ...

TabaPay

Fraud & Risk Engineer

Palo Alto, CA · On-site

This foundational, high-visibility role sits at the intersection of fraud strategy and technical ... Design configurable rule templates that enable clients and internal users to safely manage ...

New

Home Depot

ASSET PROTECTION DEPT SUP

Compton, CA

The Sr. AP Supervisor is primarily responsible for the execution of the company's external theft/fraud strategy and supporting the MAPM with the company's internal theft/fraud strategy. The Sr. AP ...

Home Depot

ASSET PROTECTION DEPT SUP

Commerce, CA · On-site

$24/hr

The Sr. AP Supervisor is primarily responsible for the execution of the company's external theft/fraud strategy and supporting the MAPM with the company's internal theft/fraud strategy. The Sr. AP ...

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Fraud Strategy Manager information

See California salary details

$54.8K

$123K

$214.7K

How much do fraud strategy manager jobs pay per year?

As of Jul 18, 2026, the average yearly pay for fraud strategy manager in California is $123,026.00, according to ZipRecruiter salary data. Most workers in this role earn between $88,800.00 and $155,400.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Fraud Strategy Manager, and why are they important?

To thrive as a Fraud Strategy Manager, you need expertise in risk analysis, data analytics, and fraud prevention methods, typically supported by a degree in finance, business, or a related field. Familiarity with fraud detection tools, machine learning systems, and industry certifications like CFE (Certified Fraud Examiner) are highly valuable. Strong critical thinking, leadership, and communication skills set outstanding candidates apart in this role. These competencies are essential for effectively identifying and mitigating fraud risks while leading teams and collaborating across departments.

What are some common challenges faced by a Fraud Strategy Manager and how can they be addressed?

Fraud Strategy Managers often face the challenge of keeping up with rapidly evolving fraud tactics and technologies. They must continuously analyze data, update detection models, and collaborate with cross-functional teams such as IT, risk, and customer service to effectively mitigate threats. Balancing proactive prevention with a seamless customer experience is another key challenge. Staying informed through ongoing training, industry networking, and leveraging advanced analytics tools helps address these challenges and ensures strategies remain effective.

What is the difference between Fraud Strategy Manager vs Fraud Analyst?

AspectFraud Strategy ManagerFraud Analyst
Required CredentialsBachelor's degree, certifications like CFE or CFCS often preferredBachelor's degree, certifications like CFE or ACFE beneficial
Work EnvironmentStrategic planning, cross-department collaboration, leadership rolesData analysis, investigation, reporting
Employer & Industry UsageFinancial institutions, e-commerce, insurance companiesBanking, credit card companies, online retailers
Search & Comparison IntentUnderstanding strategic roles, leadership in fraud preventionOperational, investigative roles, day-to-day fraud detection

The Fraud Strategy Manager focuses on developing and overseeing fraud prevention strategies, often leading teams and collaborating across departments. In contrast, the Fraud Analyst primarily conducts investigations, analyzes data, and reports on fraud incidents. Both roles require similar credentials and are common in financial and e-commerce sectors, but they differ in scope and responsibilities.

What are the most commonly searched types of Fraud Strategy jobs in California? The most popular types of Fraud Strategy jobs in California are:
What are popular job titles related to Fraud Strategy Manager jobs in California? For Fraud Strategy Manager jobs in California, the most frequently searched job titles are:
What job categories do people searching Fraud Strategy Manager jobs in California look for? The top searched job categories for Fraud Strategy Manager jobs in California are:
What cities in California are hiring for Fraud Strategy Manager jobs? Cities in California with the most Fraud Strategy Manager job openings:
Fraud Strategy Manager jobs near you
Infographic showing various Fraud Strategy Manager job openings in California as of July 2026, with employment types broken down into 1% As Needed, 80% Full Time, 17% Part Time, 1% Temporary, and 1% Contract. Highlights an 91% Physical, 3% Hybrid, and 6% Remote job distribution, with an average salary of $123,026 per year, or $59.1 per hour.
Fraud Strategy Manager / Senior Manager (Transaction Fraud)

Fraud Strategy Manager / Senior Manager (Transaction Fraud)

Cardless, Inc

San Francisco, CA • On-site

Full-time

Medical, Dental, Vision, Retirement, PTO

Re-posted 17 days ago

Job description

At Cardless, we're building a credit card and loyalty platform that consumer businesses use to engage their customers. We've launched 14 credit cards, including for Coinbase, Alibaba, and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity - we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
The Job
We're looking for a Fraud Strategy Manager or Senior Manager - Transaction Fraud to own the strategy that governs how we evaluate and respond to transactions across our credit card portfolio. This is a deeply analytical, strategy-forward role at the heart of how Cardless protects customers and controls fraud losses without degrading the cardholder experience.
Reporting to our Chief Risk Officer, you'll define transaction-level decisioning logic across approve, decline, and step-up flows; build the control framework for account takeover, PII change events, and payment activity; and develop outburst detection strategies to catch fraud rings and velocity-driven attacks before losses compound.
What You'll Own
Transaction Decisioning Strategy
  • Own the end-to-end framework for transaction-level fraud decisions: approve, decline, and conditional approval (step-up / challenge) across all Cardless-issued cards.
  • Design and continuously tune decision logic that balances fraud loss prevention with authorization rates and cardholder experience.
  • Define step-up and cardholder challenge strategies (e.g., OTP, push notification) for elevated-risk transactions, including triggers, cadence, and fallback handling.
  • Partner with data science to translate model scores into operational policy; define score thresholds, override logic, and population segmentation.

Account Takeover (ATO) & PII Change Controls
  • Build and own the fraud control framework for account takeover, covering credential compromise, SIM swap, social engineering, and call center impersonation vectors.
  • Define detection logic and intervention strategy for high-risk account events: address changes, phone/email updates, card reissue requests, and beneficiary modifications.
  • Establish authentication and step-up requirements for sensitive account changes, balancing fraud prevention with legitimate cardholder self-service.
  • Track ATO rates, detection coverage, and false positive impact; build feedback loops to continuously refine controls.

Payment Hold & Fraud Payment Strategy
  • Define the strategy for placing, managing, and releasing holds on payment activity (ACH payments, statement payments, balance transfers) based on fraud risk signals.
  • Identify high-risk payment patterns: funding fraud, payment reversal abuse, and bust-out payment behavior, and design controls to intercept them before loss is realized.
  • Establish clear SLAs and cardholder communication standards for payment holds to minimize friction for legitimate customers.

Outburst Detection & Response
  • Build the detection and response framework for outburst events: coordinated fraud attacks, BIN attacks, merchant-level compromise, and fraud ring activity.
  • Define real-time and near-real-time monitoring thresholds that trigger outburst protocols, including auto-controls and escalation paths.
  • Lead the strategic response to active outbursts: scoping the affected population, applying targeted controls, and coordinating cross-functionally with Operations, Product, and network partners.
  • Conduct post-event reviews to extract learnings and harden detection for future attacks.

Performance Measurement & Portfolio Monitoring
  • Define and own the KPI framework for transaction fraud: fraud rate by transaction type, channel, and partner; false positive rate; authorization decline rate; ATO rate; chargeback rate; and outburst loss exposure.
  • Conduct regular portfolio reviews to surface emerging fraud patterns, track loss trends, and assess control effectiveness.
  • Build reporting infrastructure to enable real-time monitoring and rapid policy response.

Cross-Functional Partnership
  • Partner with Product and Engineering to translate fraud strategy into system requirements and influence roadmap prioritization.
  • Work with Compliance and Legal to ensure transaction controls meet Reg E, Reg Z, network operating regulations, and UDAAP requirements.
  • Collaborate with Customer Operations to handle cardholder disputes, false positive escalations, and ATO recovery workflows.

What We're Looking For
  • 5-10 years of experience in transaction fraud strategy at a credit card issuer, fintech, payments network, or financial institution.
  • Deep expertise in transaction fraud decisioning: CNP fraud, card-present fraud, ATO, payment fraud, and coordinated fraud attacks.
  • Strong working knowledge of Visa, Mastercard, and/or Amex network rules: authorization, chargeback, dispute frameworks, and fraud monitoring programs.
  • Experience owning ATO and account event fraud controls, including PII change monitoring and authentication strategy.
  • Familiarity with payment hold strategy and funding fraud vectors (ACH returns, payment reversal abuse, bust-out patterns).
  • Experience designing or responding to outburst / fraud ring events, including real-time detection and response.
  • Strong SQL skills and experience using data to build, evaluate, and tune fraud rules and models.
  • Excellent communication skills: you can translate complex fraud tradeoffs into clear recommendations for executives, card network partners, and compliance teams.
  • Proactive, bias-to-action mindset: you move quickly, ask the right questions, and drive alignment across teams.

Compensation
This role has an annual starting salary range of $150,000 - $210,000 + equity + benefits (see below). Actual compensation is influenced by a wide array of factors, including but not limited to skills, experience, and specific work location.
Benefits
We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:
Meaningful Start-up equity
100% health, vision & dental primary coverage
+ 75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
Location
We're headquartered in San Francisco, CA, with a beautiful office in the Financial District. We welcome employees who want to work from this office; we offer additional benefits to those who do, and relocation assistance to those who'd like to.
We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.

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