Fraud Operations Lead

About Us

Félix is a chat-based platform that enables Latinos in the US to send money home, pioneering remittance services via WhatsApp. We combine Blockchain and Artificial Intelligence to disrupt how remittances are done today and build the future of cross-border payments.

By joining Félix, you will be part of the most innovative company in the cross-border payment industry. We recently received investment from top VCs from Silicon Valley, Europe, and Latam, as well as we won Blockchain and AI innovation and application awards at the Wharton Business School. In 2024, Félix was selected as “Endeavour Entrepreneur” by its global network and was a recipient of the CrossTech Fintech Startups Award. You will be joining the journey to build a financial platform and become a companion to the Latino community in the United States!

We're obsessed with our customers, and we're building a product that truly empowers them. We are a team of extremely talented high performers, loyal to each other, and committed to providing a magical experience to all our users. We're all owners, driven by a shared vision to create sustainable value. We move with urgency and focus, always striving for excellence and exceeding expectations.

This role is open to all candidates in Latin America.

About The Role

As our Fraud Operations Lead, you'll be instrumental in safeguarding Félix's cross-border payment platform and our users from evolving financial threats. You'll lead the strategic development and operational execution of our fraud and risk mitigation efforts, ensuring seamless and secure transactions for millions of Latinos in the US. This role requires a blend of deep analytical prowess, a strong understanding of payment regulations (including Visa, Mastercard, and NACHA), and a proven ability to optimize processes through automation. You'll be a key player in a fast-paced, high-growth environment, working cross-functionally to balance robust fraud prevention with an excellent customer experience.

Responsibilities

- Team Leadership & Resource Management: Build, lead, and scale fraud operations teams while managing staffing and resource allocation to support growing business needs

- Strategy & Process Optimization: Design, implement, and continuously refine fraud and risk operations processes, leveraging methodologies like Six Sigma to drive efficiency and effectiveness.

- Analytical Leadership: Utilize strong analytical skills to identify fraud patterns, assess risk exposures, and develop data-driven strategies for prevention and mitigation.

- Automation & Tooling: Identify and implement automation opportunities within fraud and risk operations workflows, evaluating and integrating relevant tools to enhance capabilities.Strong plus: Experience with AI agents, agentic frameworks.

- Payment Ecosystem & Regulatory Expertise: Oversee fraud and risk management within the US payments landscape, ensuring all operations adhere to external entity rules and regulations (including Visa, Mastercard, and NACHA)

- Cross-functional Collaboration: Partner closely with Product, Engineering, Compliance, and Customer Support teams to integrate fraud and risk considerations into product development and operational workflows.

- Performance Monitoring: Define, track, and report on key performance indicators (KPIs) related to fraud losses, risk exposure, operational efficiency, and customer impact.

Requirements

- Bachelor's degree in Industrial Engineering or a similar quantitative/analytical field.

- 5+ years of progressive experience in operations, strategy, or fraud/risk management within the fintech or financial services industry (particularly US payments), with demonstrated experience building and leading teams

- Proven experience in process improvement methodologies and a strong ability to drive automation initiatives.

- Exceptional analytical and problem-solving skills, with the ability to interpret complex data, identify trends, and make informed decisions (knowledge of SQL is a must and Python is a big plus)

- Solid understanding of fraud trends, risk typologies, and key payment network regulations (Visa, Mastercard, NACHA); familiarity with ACH is a significant advantage.

- Experience working with payment processes in the United States, ideally in a cross-border payments context.

- Demonstrated ability to develop and execute operational strategies that align with business goals and mitigate risk effectively.

- Excellent verbal and written communication skills, with the ability to articulate complex concepts to technical and non-technical stakeholders.

- Ability to thrive in a dynamic, fast-paced startup environment and manage multiple priorities effectively.

- Experience with staffing/resourcing

- These are the applicable requisites, although equivalent competencies in any of the above will also be considered.

What We Offer

- Competitive salary

- Initial stock options grant

- Annual performance bonus

- Health, dental, and vision plans

- Remote work environment, although we have offices in Miami and México City and would love to work in hybrid model if you are up to it.

- Continuous learning opportunities

- Unlimited PTO

- Paid parental leave

- Empowering opportunities for growth in a dynamic entrepreneurial environment

Equal Opportunity Employer

At Félix, we are committed to providing equal employment opportunities to all qualified employees and applicants without regard to race, religion, nationality, sex, sexual orientation, gender identity, age, or disability. This policy applies to all terms and conditions of employment, including recruitment, hiring, placement, promotion, training, compensation, benefits, and termination.

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