Fraud Strategy - Authentication

About OnePay OnePay is the consumer fintech trusted by millions of Americans to make money better. Our financial system is broken. High fees, low rates, and too few ways to actually grow your money. We’re fixing it. And we’re moving fast. We’re an all-in-one financial services platform that brings together banking, high-yield savings, credit cards, point-of-sale lending, investing, and crypto in one place. We also partner with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers. We’re backed by Walmart, the world’s largest retailer, and Ribbit Capital, one of fintech’s most respected investors, giving us rare scale, distribution, and the opportunity to build something truly category-defining. But what really sets OnePay apart is how we move. Our customers don’t have time to wait… and neither do we. This place moves fast, and we’re looking for people who are: Ready to run Hungry and driven by urgency Exceptional at what they do, with low ego Comfortable operating in motion The role As part of the Fraud Strategy team, your mandate is to minimize fraud losses from account takeover (ATO) and scams that target OnePay customers while optimizing the customer experience within Authentication risk flows, including; device login risk, profile management, account recovery, passcode reset, mobile wallet provisioning, etc. You will be responsible for supporting the continued build out and maintenance of a best-in-class fraud platform, core capabilities, and risk strategies – including integration of agentic AI capabilities into risk decision flows. You will work closely with product, platform, data, technology, and operations teams to continually advance fraud controls and related infrastructure. This role is responsible for: Developing and maintaining data-driven strategies to prevent fraud loss from ATO, scams, and social engineering schemes that target OnePay customers Creating and executing