Sr. Director, Fraud & Abuse, US

• A senior leader with a proven track record of transforming fraud, financial crime, or risk operations through the application of data science, machine learning, AI, and modern operating models.
• A strategic leader capable of building scalable fraud and abuse decision capabilities that protect customers while enabling business growth.
• A leader who understands that trust is not simply a control function but a competitive advantage.
• Remote-first opportunity for US-based employees, with the option to work in person out of the Manhattan office. Applicants must be authorized to work in the United States. Zip is unable to provide employment-based visa sponsorship or support visa transfers for this role

Start your adventure with Zip

Join Zip's leadership team and play a critical role in protecting customers, merchants, partners, and the business while enabling continued growth and innovation. Reporting to the Chief Operations Officer, the Senior Director, Fraud & Abuse is responsible for leading Zip US’s Fraud & Abuse function and executing a multi-year strategy that protects customers, merchants, and the business while enabling sustainable growth.

As the functional leader for Fraud & Abuse, you will oversee strategy, operations, fraud prevention, investigations, abuse management, and organizational capability. You will modernize fraud decisioning through advanced analytics, artificial intelligence, machine learning, behavioral intelligence, and automation while ensuring operational excellence and an exceptional customer experience. You will serve as Zip US’s principal advisor on Fraud & Abuse, partnering closely with Product, Engineering, Data Science, Risk, Compliance, Legal, and Operations to solve complex fraud challenges, strengthen trust, and deliver scalable business outcomes.

Interesting problems you'll get to solve

• Develop and Lead the execution and evolution of Zip US’s multi-year Fraud & Abuse strategy, translating business priorities into scalable operational capabilities.
• Lead cross functional fraud prevention, detection, investigation, recovery, and abuse management activities.
• Continuously evolve and optimize Fraud & Abuse operating models through machine learning, AI, predictive analytics, behavioral intelligence, and automation.
• Partner with Product, Engineering, Data Science, Analytics, Risk, Compliance, Legal, and banking partners.
• Serve as the functional subject matter expert and trusted advisor on Fraud & Abuse, providing guidance on emerging threats, operational design, and fraud technology investments.
• Enhance fraud intelligence capabilities leveraging internal and external data sources to improve direction and decision-making.
• Drive continuous improvement in fraud loss performance while maintaining customer experience.
• Develop governance, reporting, and performance frameworks that enable executive decision-making and operational excellence
• Lead vendor strategy and fraud technology partnerships.
• Build, lead and develop a world-class team of fraud professionals, analysts, investigators, and leaders.

What you'll bring to the team

Education and training

• Bachelor's degree in economics, data science, engineering, computer science, mathematics, or a related field required.
• Advanced degree preferred.
• Professional certifications such as CFE, CAMS, CFCS, FRM, or equivalent are highly desirable.

Experience

• 15+ years of progressive leadership experience in fraud, financial crimes, risk operations, payments, fintech, banking, or related disciplines.
• 8+ years leading large-scale fraud strategy and operational organizations.
• Experience leading in organizations of 200+ employees.
• Demonstrated experience implementing machine learning, AI, advanced analytics, and automated decisioning capabilities.
• Proven success leading transformational change initiatives.
• Experience working closely with Product, Engineering, Data Science, and machine learning teams.

Leadership

• An inspiring and transformational executive capable of creating a compelling vision and aligning teams around strategic priorities.
• Serves as the principal advisor to senior leadership on Fraud & Abuse strategy, emerging risks, and operational performance.
• Proven ability to build, lead, and develop high-performing organizations.
• Strong executive presence with the ability to influence executive leadership and effectively present fraud strategy, operational performance, and emerging risks to board stakeholders.
• Operates as an enterprise leader first and a functional leader second.

Skills and expertise

• Deep expertise in fraud strategy, fraud operations, investigations, fraud analytics, and operational risk management.
• Strong understanding of modern data platforms, machine learning applications, AI capabilities, and decisioning systems.
• Exceptional analytical and problem-solving capabilities.
• Strong business acumen, balancing risk, customer experience, operational efficiency, and growth.

Mindset

• Obsessed with leveraging data, analytics, and emerging technologies to solve complex fraud challenges.
• Strategic thinker capable of balancing long-term transformation with near-term execution.
• Passionate about building teams and future leaders.

What you'll get in return

Zip is a place where you'll get out what you put in. The newness of the sector means Zip needs to move at pace and embrace change, and the promise to you when you join the team is that you'll feel empowered and trusted to make big things happen quickly. Zip wants you to feel welcome and as though you have the support to be yourself, and to care for yourself at work, because it is important that you make the most of the opportunities you will get to grow your skills and your career, surrounded by smart, friendly people and leaders who have your back.

These are just some of the best things about being a Zipster. Zip will also offer you:

• Flexible working culture
• Incentive programs
• Unlimited PTO
• Generous paid parental leave
• Leading family support policies
• 100% employer-covered insurance
• Beautiful Midtown office with a casual dress code
• Learning and wellness subscription stipend
• Company-sponsored 401k match

Zip is committed to a straightforward and transparent pay structure. The actual base salary will be determined by various individualized factors, including job-related knowledge, skills, experience, location, internal equity, as well as other objective business considerations. The annual base pay range for this position is $220,000 - $270,000 . This range reflects Zip's US national compensation (USN). Additional premium percentages may apply based on Zip's tiered premium strategy. Subject to those same considerations, the total compensation package for this position may also include other elements, including a bonus and/or equity awards, in addition to a full range of medical, financial, and other benefits.

If hired, employees will be in an at-will position, and the Company reserves the right to modify base salary (as well as any other discretionary payment, compensation, or benefit program) at any time, including for reasons related to individual performance, Company or individual department or team performance, and market factors.

Be a part of a team that reflects the diversity of our customers

Zip prides itself on being a workplace that provides equal opportunities to people of all ages, cultural backgrounds, sexual orientations, gender identities, abilities, veteran status, and everything else that makes you unique. Equally, Zip is committed to ensuring its recruitment processes are accessible and inclusive. Please let Zip know if there are any adjustments that need to be made to ensure you have a fair and equitable experience.

And finally, get to know us

Zip Co Limited (ASX: ZIP) is a digital financial services company, offering innovative, people-centered products that bring customers and merchants together. Operating in two core markets, Australia and New Zealand (ANZ) and the Americas, Zip offers point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. Zip is proud to be a values-led business, and its values, Customer First, Own It, Stronger Together, and Change the Game, guide everything it does. Operating in two core markets - Australia and New Zealand (ANZ) and the US, Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants. We’re proud to be a values-led business and our values - Customer First, Own it, Stronger Together and Change the Game - guide us in everything we do.

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