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About the Role

Join the Fraud Strategy team at Felix, responsible for detecting, deciding on, and preventing fraud across all products, payment rails, and countries. This role will build the fraud strategy for a new card issuance program, owning authorization decisioning end-to-end and managing the fraud surface from the ground up. The focus is on creating a decisioning architecture and authorization strategy using a full toolkit, prioritizing product and action-based controls over static rules.

Responsibilities

Own fraud strategy for the card issuance program end-to-end, from pre-launch risk assessment through steady-state monitoring.
Translate the infrastructure partner's area-of-responsibility split into an operating decisioning model.
Design and own authorization decisioning for card transactions, including approve/decline logic, step-up authentication, velocity limits, and cross-account linkage.
Own network-level fraud health, monitoring fraud-to-sales and dispute ratios against card network thresholds.
Build the cardholder fraud lifecycle, including onboarding risk, first-card-use monitoring, and pattern detection.
Partner with Product and Engineering to embed controls directly into the card issuance and wallet funding/spend flow.
Own card dispute and chargeback strategy in partnership with Fraud Operations.
Act as the fraud voice in ongoing vendor conversations, keeping the requirements document current.
Utilize SQL/BigQuery for risk assessment, backtesting, and post-launch monitoring.
Develop a comprehensive playbook for future card product or market expansions.

Requirements

4–7+ years in fraud/risk strategy with hands-on experience in card authorization decisioning (issuer, acquirer, program manager, or processor).
Working knowledge of card network mechanics, including authorization/clearing/settlement flow, 3DS/SCA, network fraud-monitoring programs, and dispute reason codes.
Experience working with or evaluating BaaS / program-manager card issuing vendors and negotiating fraud AoR/RACI.
Advanced SQL proficiency for independent risk assessment and sizing.
Demonstrated bias toward product and action-based fraud controls over rules.
Comfort building in ambiguity on a 0-to-1 program.
Strong cross-functional communication skills.
Advanced English proficiency.
Prior experience with card issuing at a fintech or program manager (Nice to have).
Familiarity with stablecoin-backed card programs or general crypto experience (Nice to have).
Spanish or Portuguese language skills (Nice to have).
Background in cross-border remittance or LATAM-market fraud (Nice to have).
Experience negotiating or managing a BIN sponsor / issuing bank relationship (Nice to have).

Skills

Fraud Strategy
Risk Management
Card Authorization Decisioning
SQL
BigQuery
Product Controls
Action-based Controls
3DS/SCA
Velocity Controls
Cross-account Linkage
Fraud Lifecycle Management
Dispute Resolution
Chargeback Strategy
Vendor Management
Cross-functional Communication

Location

U.S.

Work Type

Full-time

Experience Level

Mid-level
Senior-level

Salary/Compensations

Competitive salary

Benefits

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
Empowering opportunities for growth in a dynamic entrepreneurial environment

About the Company

Félix is building the financial ecosystem for Latin immigrants in the U.S., starting with remittances.
The core product is an AI-powered chatbot on WhatsApp for sending money home.
Leverages AI, blockchain, and stablecoins for faster, more affordable, and accessible cross-border payments.
A hyper-growth Series B company backed by over $100 million in funding.
Selected as an “Endeavour Entrepreneur” and recipient of the CrossTech Fintech Startups Award.
A team of talented high-performers united by a shared goal of empowering customers.
Operates with a bias for action and an experimentation spirit.
Building a legacy company with a deeply meaningful mission to serve an underserved community.
Values radical transparency, constructive feedback, boldness, and creating sustainable value.

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.
This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.