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About the Role

You will join the Fraud Strategy team to own the end-to-end fraud strategy for a new card issuance program. This is a 0-to-1 build role responsible for designing authorization decisioning, managing network fraud thresholds, and implementing controls that balance security with user experience across Latin American markets.

Responsibilities

• Own fraud strategy for the card issuance program from pre-launch risk assessment through steady-state monitoring.
• Translate infrastructure partner responsibilities into an operating decisioning model.
• Design authorization decisioning including approve/decline logic, 3DS/SCA step-up, velocity limits, and cross-account linkage.
• Monitor fraud-to-sales and dispute ratios against card network thresholds to prevent penalties.
• Build the cardholder fraud lifecycle including onboarding risk and pattern detection.
• Partner with Product and Engineering to embed controls directly into card issuance and funding flows.
• Manage card dispute and chargeback strategy in partnership with Fraud Operations.
• Represent fraud requirements in vendor conversations and maintain documentation.
• Use SQL and BigQuery to size fraud exposure, backtest thresholds, and monitor post-launch indicators.
• Develop a scalable fraud playbook for future product and market expansions.

Requirements

• 4–7+ years in fraud/risk strategy with hands-on experience in card authorization decisioning.
• Working knowledge of card network mechanics including authorization/clearing/settlement, 3DS/SCA, and network fraud-monitoring programs.
• Experience evaluating BaaS or program-manager card issuing vendors.
• Advanced SQL proficiency for independent risk analysis.
• Demonstrated bias toward product and action-based fraud controls over static rules.
• Ability to build in ambiguity and translate documentation into operating models.
• Strong cross-functional communication skills.
• Advanced English proficiency.
• Prior experience with card issuing at a fintech or program manager.
• Familiarity with stablecoin-backed card programs or crypto.
• Proficiency in Spanish or Portuguese.
• Background in cross-border remittance or LATAM-market fraud.
• Experience negotiating or managing a BIN sponsor or issuing bank relationship.

Skills

• Fraud Strategy
• Card Authorization Decisioning
• SQL
• BigQuery
• Risk Assessment
• 3DS/SCA
• Cross-functional Collaboration
• Vendor Management

Experience Level

• 4–7+ years

Benefits

• Competitive salary
• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• 401(k) with employer match
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave

About the Company

• Félix is building a financial ecosystem for Latin immigrants in the U.S. starting with AI-powered remittances.
• Hyper-growth Series B company backed by over $100 million in funding.
• Recipient of the CrossTech Fintech Startups Award and Endeavour Entrepreneur selection.

Equal Opportunity

• Félix is committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability.