Credit Karma is a mission-driven company, focused on championing financial progress for our more than 100 million members in the U.S., Canada and U.K.  While we're best known for pioneering free credit scores, our members turn to us for tips as they work on their  financial goals, including helping them monitor their credit, identity monitoring, searching for credit cards, shopping for loans (car, home and personal), and growing their savings* -- all for free. Credit Karma has grown significantly through the years: we've added more than 70 million members in the last five years alone and now have more than 1,100 employees across our offices in Oakland, Charlotte, Los Angeles and London. 

*Banking services provided by MVB Bank, Inc., Member FDIC

Security is a core value at Credit Karma. We help millions of people better manage their credit. Safeguarding their sensitive information is essential to our continued success. From the CEO down to each engineer, everyone views security as a personal responsibility.

Credit Karma is looking for a results-oriented VP to advise our rapidly expanding Fraud team. This position will report directly to our Chief Security Officer and will be responsible for advising on building strategic capabilities of the fraud team to proactively detect and prevent fraudulent activity within our rapidly growing member network.

A successful leader in this role will have superb verbal and written communication skills with an analytical approach to problem solving. The candidate must be comfortable working with ambiguity, making recommendations to senior management, and delivering results on highly demanding timelines. This role requires a meticulous attention to detail, excellent project management skills, and a desire to consistently make things better.

What you'll do:

  • Design and advise on a scalable and efficient organizational structure for the fraud team that maximizes the skills of the team and optimizes fraud-related processes
  • Create comprehensive fraud detection strategies and business procedures based on data and analysis that balance fraud prevention and customer experience
  • Enhance fraud systems and processes using industry-leading tools to proactively identify high-risk activities within the member network and quickly investigate
  • Develop relationships and work with key partners across Product, Engineering, Data Analytics, Operations, Member Services and other internal teams to effectively manage fraud risk programs
  • Build strong collaborative relationships with partners and agencies to exchange observations, best practices, and address fraud-related issues
  • Work closely with the Engineering team to build fraud solutions directly into products
  • Lead root cause analysis to identify opportunities to prevent fraudulent access to our network
  • Use deep analytics to improve existing fraud strategies that reduce false positive rates and increase fraud detection rates
  • Extract and analyze data, investigate data integrity, create metrics and perform data and portfolio analysis
  • Produce fraud metrics to show the performance of the fraud team and systems for use in management reporting
  • Support the team by being an expert on fraud and leading discussions with partners on fraud mitigation strategies
  • Build and use machine learning models for fraud detection to prioritize investigations efforts

What's great about the role:

  • You will build and grow an inspired team in a nimble environment
  • Get ready to build new programs in a growth environment
  • This role will have an outsized impact pioneering a new program

Minimum Basic Requirement:

  • 15+ years of experience in banking and finance in a fraud, risk, or compliance role
  • Experience at a FinTech company in an executive role, such as Chief Risk Officer or VP Risk
  • Experience in building and scaling operational teams

Preferred Qualifications:

  • Deep understanding of financial fraud -- from ACH Fraud, Kiting, Check Fraud to Card Fraud and New Account Fraud to Anti-Money Laundering to Synthetic Identities
  • Strong organizational and process management skills.
  • Strong relationships in the banking industry and government to maintain best practices and collaborate with industry experts and professionals
  • Strong knowledge of BSA, AML, OFAC, US Patriot Act, Red Flags Rule, Reg E and related laws
  • Expert knowledge of KYC processes and implementations
  • BA/BS degree in relevant major or equivalent practical experience

Equal Employment Opportunity:

Credit Karma is committed to a diverse and inclusive work environment. We believe that such an environment advances long-term professional growth, creates a robust business, and supports our mission of championing financial progress for everyone. We offer generous benefits and perks with a single eye to nourishing an inclusive environment that recognizes the contributions of all and fosters diversity by supporting our internal Employee Resource Groups. We’ve worked hard to build an intensely collaborative and creative environment, a diverse and inclusive employee culture, and the opportunity for professional growth. As part of the Credit Karma team, your voice will be heard, your contributions will matter, and your unique background and experiences will be celebrated.

Credit Karma is also proud to be an Equal Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, marital status, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or gender expression, national origin, veteran or military status, disability (physical or mental), genetic information, or any other protected characteristic. We prohibit discrimination of any kind and operate in compliance with applicable fair chance or similar ordinances.

COVID-19 update: Protecting the health of our employees and the candidates interested in a career at Credit Karma is our top priority. We appreciate your understanding and being open and flexible with any changes related to our interviewing process. Moving forward, all new hires are required to be fully vaccinated against COVID-19 and to share proof of that status prior to their first day of onboarding. If you are unable to be vaccinated for medical or religious reasons, we will explore potential reasonable accommodations; however, Credit Karma may not be able to grant such accommodations in all cases.

Credit Karma is strongly committed to protecting personal data. Please take a look below to review our privacy policies:

Apply for this Job

* Required

  
  


Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in Credit Karma’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.


Form CC-305

OMB Control Number 1250-0005

Expires 05/31/2023

Voluntary Self-Identification of Disability

Why are you being asked to complete this form?

We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years.

Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition.

Disabilities include, but are not limited to:

  • Autism
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, or HIV/AIDS
  • Blind or low vision
  • Cancer
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or hard of hearing
  • Depression or anxiety
  • Diabetes
  • Epilepsy
  • Gastrointestinal disorders, for example, Crohn's Disease, or irritable bowel syndrome
  • Intellectual disability
  • Missing limbs or partially missing limbs
  • Nervous system condition for example, migraine headaches, Parkinson’s disease, or Multiple sclerosis (MS)
  • Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression

1Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.