Current · New York, NY, United States
You will define and drive the roadmap for Current's first-line fraud risk capabilities, starting largely from scratch and shaping discovery into a sequenced, prioritized plan. You will own product strategy for KYC and account-related risk controls — onboarding, ongoing monitoring, and account access — balancing member experience against fraud while ensuring compliance. You will lead the design and evolution of fraud detection, prevention, and resolution capabilities, including how signals (device, behavioral, network, transactional) feed into decisioning, e.g., specifying exactly how a new account velocity rule should evaluate, what data it pulls, and what action it triggers. You will own delivery end-to-end, from detailed spec through engineering build, QA, staged rollout, and production launch. You will own transaction limits, rules, and controls across products and rails, including how they're set, tested, and adjusted over time. You will, alongside engineers, debug and root-cause production issues, e.g., a rule misfiring or a spike in false declines, by tracing the issue through logs, data pipelines, and system flows. You will lead the evaluation, integration, and ongoing optimization of third-party fraud risk vendors and modern AI/agentic tooling, ensuring Current gets full value from these tools while building proprietary capability when it matters. Leverage and architect AI workflows and autonomous agents to automate risk operations, investigation summaries, and fraud role discovery. You will partner with Compliance/Legal to ensure fraud risk product decisions meet regulatory obligations (BSA/AML, CIP) without over-indexing on compliance at the expense of a workable member experience.