Senior Fraud Analyst

At Mudflap were modernizing the $1 trillion trucking industry the backbone of the U.S. economy. By helping over 100000 underserved small businesses save over $1.5 billion on fuel Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume.

As a Senior Fraud Analyst you will help shape Mudflaps fraud strategy as we scale our payments platform and expand into new products and payment rails. Youll combine deep analytics strong fraud intuition and cross-functional leadership to identify emerging threats design effective controls and balance loss prevention with customer experience and growth.

This is a highly visible role for someone who wants to move beyond investigating individual cases and build the systems strategies and analytical frameworks that determine how a growing fintech manages fraud at scale.

Work Location: We value in-person connection and have offices in both Palo Alto CA and Austin TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration we are open to remote team members who can travel periodically if needed.

To support our team we offer:

• Commuter benefits to ease your travel

• Lunches and snacks to keep you fueled

• A collaborative high-growth environment where youll work closely with talented teammates across the company

Expectations (In this role you will):

• Own and evolve fraud strategies across Mudflaps payments products including fleet card and legacy payment products

• Identify emerging fraud patterns and translate insights into scalable rules controls and policies

• Partner with Data Science to develop evaluate and improve fraud detection models

• Use SQL Python and advanced analytics to uncover fraud trends vulnerabilities and opportunities

• Define fraud KPIs loss thresholds and monitoring frameworks tied to risk appetite and unit economics

• Build dashboards and reporting that surface emerging risks and measure strategy effectiveness

• Partner with Product and Engineering to embed fraud controls into new products and customer experiences

• Evaluate and implement third-party fraud tools data sources and detection capabilities

• Develop fraud strategies that enable safe expansion into new payment rails including ACH

• Balance fraud prevention customer friction growth and profitability as Mudflap scales

Experience (What we look for):

• 5 years of experience in fraud strategy risk or payments ideally within fintech or a high-volume payments business

• Hands-on experience developing and optimizing fraud strategies including rules controls monitoring and loss management

• Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred

• Experience analyzing transaction data to identify fraud patterns vulnerabilities and root causes

• Strong judgment balancing fraud loss customer friction growth and profitability

• Experience partnering with Data Science Product Engineering and Operations to implement fraud solutions

• Familiarity with card payments ACH digital payments or other complex payment ecosystems

• Ability to turn ambiguous data into clear recommendations and action

• High ownership curiosity and comfort operating in a fast-changing environment

Perks and Benefits (What we offer):

• Competitive salary and equity in a high-growth startup

• Multiple health benefit options

• Responsible Time Off

• 401(k) matching

• Opportunities and support for major career growth

• Annual Company offsite event (Mudfest!)

The base salary range for this role is $135000 - $185000. This information reflects a base salary range for this position based on current market data which may be subject to change as new market data becomes available. The candidates skills experience and other relevant factors will determine the exact compensation.

Company Overview (Who we are):

Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors including QED Matrix Partners Commerce Ventures NFX and 500 Startups and included in the Forbes Fintech 50 list Mudflap offers fleet fuel management solutions. Our core team hails from Disney Uber Procore DoorDash Google Meta Capital One Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

• Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do

• Make it Count: Act like an owner by focusing on the impact of your work

• Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates

• Sweat the Details: We keep our standards high and achieve them by paying attention to every detail

• Be Curious: Use a growth mindset to question assumptions take calculated risks and stretch the boundaries of whats possible

Required Experience:

Senior IC