Complete an independent fraud risk assessment within three weeks, identifying major vulnerabilities, current threats, and creating a strategic plan.
Launch a login challenge test within five weeks, aiming for top-tier precision and minimal user disruption.
Run an experiment within one month to lower first payment defaults by 3% for a specific group, maintaining approval rates if experienced in financial services.
Develop a system within three months that produces actionable insights from manual fraud reviews, utilizing AI or human agents.
Implement controls within six months to reduce the threat of automated fraud attacks to negligible levels.

Minimum two years in fraud management within tech or fintech, with hands-on experience in analytics or strategy and deploying rules or models.
Advanced SQL skills, including the ability to interpret SQL code generated by AI agents.
Current meaningful engagement with AI agents in a professional capacity.
Proficiency in professional English.

Experience creating self-improving feedback mechanisms for agentic systems.
Background in financial services, particularly with first-party and acquisition fraud.
Leadership during active fraud incidents.
Working knowledge of Spanish.

Base salary range: $175,000 to $250,000 USD in NYC; adjusted for cost of living in Mexico City.
Competitive equity package.
Full medical, dental, and vision insurance for employee; 50% coverage for dependents.
401(k) plan available for US employees.
Unlimited paid time off, with typical usage around 3-4 weeks annually.
Extended leave for maternity and paternity.
Relocation assistance provided.

Hybrid — New York City, Mexico City

Fraud is treated as a strategic function rather than a cost center, with autonomy to assess and roadmap the entire fraud landscape.
End-to-end ownership of detection, mitigation, and operations for a lending business exceeding $500 million in annual GMV.
Focus on precision: challenging as few users as possible while maintaining accuracy.
Building the fraud operations function as an agent-operated system from the start.
Direct collaboration with the company founders.
Responsibility for implementing controls to prevent programmatic fraud attacks within six months.

Previous ownership of a fraud domain, including case reviews and deploying high-precision rules or models.
Meaningful use of AI agents and progress toward self-improving feedback loops.
Self-sufficient analysis without need for technical validation.
Thorough review of user interfaces before deploying controls, with understanding of user experience.
Ability to lead during incidents, direct actions, and advocate based on evidence.
Strong interpersonal skills that aid in persuasion and collaboration.
Vigilance and proactive concern for emerging threat vectors evident in work.

Preference for established fraud systems and playbooks; this role involves building from scratch.
Background limited to only fraud data science or operations; requires both strategic judgment and implementation skills.
Lack of experience or skepticism toward AI agents; the function will be agent-operated.
Disinclination to personally test user flows before control deployment.
Desire for a fully optimized environment; significant discovery and adjustment ongoing.
Inability to commit to 80% in-office presence in New York City or Mexico City.

Joined because of the founders, who are exceptional operators bringing Uber's experimentation approach to lending in Mexico.
Trusts the founders for their integrity, drive, pragmatism, intelligence, and work ethic.
Confident in the company's unit economics and product-market fit due to profitability and revenue.
Values the senior, technical team and performance-oriented culture.
Personally enthusiastic about the equity value.

80% in-office requirement in NYC or Mexico City for collaboration with Risk, Engineering, and incident response.
AI integration in daily workflows across all teams.
Capability to lead and direct effectively during incidents.
Commitment to honesty and transparency in analysis; addressing mistakes openly.
Relocation support available.

Nelo is hiring a Member of Technical Staff - Fraud