As Fraud Strategy and Analytics Senior Manager, you will safeguard Raisin’s U.S. platform by ensuring resilience against fraud while managing risk operations at scale. You will use Python, SQL, and internal and third-party intelligence to analyze, detect, and mitigate fraud and risk.

• Define and execute Raisin’s U.S. fraud strategy.
• Develop and refine fraud detection policies, rules, and processes.
• Apply advanced analytics and scripting (Python/SQL) to detect patterns in large datasets.
• Analyze fraud telemetry to uncover hidden or undetected activity.
• Build dashboards and performance metrics across payment channels.
• Present actionable insights to leadership and recommend ongoing improvements.
• Lead end-to-end fraud investigations, from detection through resolution.
• Drive conversations around fraud KPIs, fraud losses, and remediation trends.

• Oversee compliance with AML and KYC requirements, ensuring robust due diligence across the customer lifecycle.
• Implement enhanced monitoring for high-risk customers and transactions.
• Develop and maintain customer risk profiling frameworks to support onboarding, transaction monitoring, and suspicious activity escalation.
• Partner with compliance teams to identify and escalate unusual activity in line with regulatory standards.
• Design low-friction, custom risk rules for identity verification, account takeover protection, and transaction monitoring.
• Continuously back-test and adapt rules to evolving risks.
• Integrate risk findings into broader operational workflows.

• Design, implement, and deploy machine learning–based fraud models across the customer lifecycle (onboarding, KYC, bank account linking, payments, and ongoing account activity).
• Leverage supervised and unsupervised learning techniques for anomaly detection, behavioral analytics, and transaction monitoring.
• Develop features from identity, device, behavioral, transaction, and network data.
• Partner with engineering and data teams to ensure high-quality data pipelines for real-time fraud detection.
• Translate model insights into practical fraud controls (rules, thresholds, decisioning strategies) that balance fraud prevention with customer experience.
• Work closely with Product, Engineering, Marketing, Payments, Customer Service to align models with operational workflows.
• Pilot next-generation fraud tools (e.g., behavioral biometrics, network graph analysis, federated learning) to strengthen defenses as Raisin’s product portfolio grows.

• Analyze payment and transaction telemetry to identify systemic risks.
• Measure risk exposure across methods, develop KPIs, and track control effectiveness.
• Provide data-driven insights to leadership for continuous improvement.

• 8+ years’ experience in fraud risk management, analytics, or financial crime within fintech, banking, or payments.
• Strong technical skills: Python, SQL, and experience building fraud detection dashboards and KPIs.
• Proven ability to design and deploy machine learning models for fraud and anomaly detection.
• Deep knowledge of fraud typologies, AML/KYC regulations, and compliance frameworks in the U.S.
• Experience leading fraud investigations, strategy design, and operational execution end-to-end.
• Skilled at risk profiling, transaction monitoring, and developing custom fraud rules.
• Strong cross-functional collaboration with compliance, engineering, product, and customer operations.
• Excellent communication and stakeholder management, with ability to present actionable insights to leadership.
• Demonstrated leadership and team management experience.
• Strategic, data-driven thinker who balances fraud prevention with customer experience in decision-making.

• Flexible working hours and 28 vacation days, plus 13 public holidays per year.
• Employee Development Budget of $2,200 and 4 full training days per year.
• Access to Babbel for continuous learning.
• Company 401k contribution of 5%.
• Healthcare coverage contribution, including medical, dental and vision.
• Commuter benefits and flexible working from home policy.
• Regular team events and yearly Summer and Winter Party.

Raisin is the trailblazer in the savings and investment space. Founded in 2012, the fintech company started by opening the $95+ trillion deposits and investments market of the European Union, the United Kingdom and the United States to consumers.

Today, Raisin serves more than one million customers in these three markets, offering savings products as well as investment and pension products. This makes the Berlin-based fintech one of the leading global savings and investments marketplaces. Savers get a wider choice of attractive products with the ability to move their money freely. In addition, financial service providers get best-in-class marketplace solutions for their customers, and banks get better access to retail funding.

Raisin operates its own B2C marketplaces in Europe and the U.S. In Germany, the company offers ETF-based investment and retirement products in addition to savings products. Raisin works with over 400 banks and financial service providers from over 30 countries

We are backed by renowned international investors such as b2venture, Deutsche Bank, Goldman Sachs, Greycroft, Headline, Index Ventures, Latitude Ventures, Orange Ventures, PayPal Ventures, Top Tier Capital Partners, Ribbit Capital, Vitruvian Partners and M&G.

At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities.

In total, we have 8 offices across the world: Berlin, Frankfurt, Hamburg, Madrid, Manchester, Munich, New York and Salt Lake City.

We also think it’s important to take the time to celebrate our hard work and achievements together, with events like our yearly summer and winter party, as well as a couple of smaller get-togethers.