Fraud Operations Specialist

About Clair If you can send your friends money in seconds, why does it still take your employer two weeks to send your paycheck? At Clair, we are on a mission to create financial freedom for America's workers by giving them a digital banking platform that allows them to get paid as soon as they clock out of work. But we're not just another digital bank or on-demand pay provider. We meet Americans at their place of work by embedding our products within the scheduling, workforce management, and payroll apps they already use every day. Learn more about us at getclair.com/about About the Role We are seeking a Fraud Operations Specialist who thrives on solving complex, high-stakes problems at the intersection of financial crime, data analysis, and consumer protection. You will play a critical role in identifying and investigating fraud, platform abuse, and suspicious financial activity — helping protect both Clair and the millions of hourly workers who rely on us for financial access. We operate at the intersection of fintech, embedded finance, and real-time payroll systems — which means the fraud landscape we navigate is nuanced, fast-moving, and high-impact. You'll work across datasets and internal tooling to investigate cases, manage queues and escalations, and make confident, well-reasoned determinations that are fair, compliant, and risk-mitigated. If you have an investigative mindset, a strong grasp of money movement mechanics, and a passion for using data to uncover the full picture — you'll thrive here. Key Responsibilities Conduct investigations of high-risk or potential fraud activity, including platform abuse, suspicious financial movement patterns, and unauthorized device access. Use an investigative, holistic approach to analyze cases and make confident determinations that are fair, compliant, and risk-mitigated. Work across datasets and internal tooling to complete operational tasks including queue management, escalations, and dispute resolution. Apply a solid understanding of money movement mechanics — ACH, Card Rails, RTP — and relevant consumer regulations including Reg E, NACHA, and Reg Z. Analyze and communicate data trends and patterns clearly to internal stakeholders, translating complex findings into actionable insights. Leverage tools such as Excel, Google Sheets, Snowflake, SQL, and Tableau to investigate cases and surface meaningful signals. Creatively solve problems by connecting data across sources to identify patterns that may not be immediately obvious. Required Experience & Qualifications: 1–3 years of experience in fraud operations, financial crimes, risk, or a related field. Investigative mindset with the ability to assess the full picture of a case and make sound, well-documented decisions. Comfortable working across multiple datasets and internal tools to complete fraud investigations and operational tasks. Solid understanding of money movement mechanics (ACH, Card Rails, RTP) and consumer regulations (Reg E, NACHA, Reg Z). Strong analytical skills — able to identify trends and patterns in data and communicate findings clearly and effectively. Hands-on experience with data tools such as Excel, Google Sheets, Snowflake, SQL, or Tableau. Excellent written and verbal communication skills with the ability to clearly articulate investigative findings and recommendations. Bonus Qualifications: Hands-on experience with fraud monitoring and investigation tools such as Alloy, Sardine, Sift, or Unit21. Prior experience in fintech, payments, lending, or embedded finance. Familiarity with dispute resolution processes and chargeback workflows. Additional Details Location: While we are based in NYC, we are also open to remote candidates for this role who are based in US only. Compensation: The annual base salary for this role is $73,000-$78,000 . The base pay for this role is determined using many factors, such as education, skills and experience and is reflective of Clair Series stage and size. Base pay is only one part of Clair’s competitive total compensation package which includes equity, benefits and additional perks. The base pay range is subject to change and may be modified in the future. Clair will only contact candidates from @ getclair.com email addresses. We will never ask for payments or sensitive personal information during the hiring process. If you happen to receive anything suspicious, please ignore it. Need more convincing? Apart from getting to work with our incredible team, here are some of the benefits you can expect when you join Clair: Medical, Dental, & Vision Coverage, with option to extend to your family Fully-paid parental leave Company-sponsored 401k, HSA, and FSA Unlimited vacation for salaried roles, generous PTO for hourly roles Work from home setup allowance Access to your earnings every day on Clair Company-sponsored short-term and long-term disability insurance Equal Opportunity Employer Information Clair is an equal opportunity employer and we value diversity at our company. We actively seek a diverse applicant pool and do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. For questions, please email us at [email protected]