Director of Card Fraud

JOB TITLE: Director of Card Fraud

LOCATION: New York, Hybrid

REPORTS TO: CISO

The Company:

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

The Role:

As the Director of Card Fraud, you will lead the strategic and operational efforts to mitigate card fraud across Sunbit's offerings.

What You’ll Own:

• Developing and refining our card fraud prevention strategies to align with industry benchmarks
• Leading the fraud operations team and managing key vendor relationships, such as those with Fiserv and Transunion
• Continuously assessing our card fraud prevention tactics against industry standards and making necessary adjustments
• Spearheading strategic projects such as the development of in-house card transaction scoring system
• Ownership of the development and implementation of fraud prevention programs
• Regular assessment and adjustment of our card fraud prevention strategy based on performance metrics and industry developments
• Leadership of strategic projects aimed at enhancing our fraud detection capabilities

Requirements

What You Bring To The Table:

• 10+ years of Fraud experience with at least 5 years of Card Fraud specific experience
• Deep knowledge of card fraud prevention strategies and existing solutions in the industry
• Proven ability to lead people and build influential relationships across the organization
• Strong analytical skills and experience managing a fraud prevention program at a credit card company or similar financial institution
• Desirable: Experience with legacy issuer-processors or experience in Co-Branded card programs

The Perks:

• Join one of LA’s fastest growing startups (2023), A Most Loved Workplace, #576 on the 2023 Inc 5000 list, and Forbes Fintech 50 (2024)
• Mission driven + empowered + collaborative
• Competitive pay and stock options
• Unlimited PTO
• Health Insurance options including Medical, Dental, Vision, Life, EAP, FSA, & Parental Leave
• Newly added HSA and Pet Insurance
• 401K Plan with Matching
• Cell Phone Stipend
• Casual Dress
• Team based strategic planning + Team owned deliverables

How We Pay:

• We believe in paying fairly and equitably based on a number of factors including but not limited to previous experience, relevant work history, interview performance, geographical location, internal equity, and expected level of ownership.
• We are targeting a salary of $200,000 - $225,000 per year for this role
• This role will also be granted company equity via stock options

Core Competencies for Success in Role – fit for Sunbit in role

• Serve others before self - Enhance customer and colleague security by implementing robust measures and providing effective security training programs.
• Own the impact - Ensure the effectiveness of security policies and procedures, manage risks, conduct assessments, and maintain regulatory compliance.
• Connect genuinely - Build strong relationships with team members and vendors, communicate security risks clearly, and deliver engaging awareness programs.
• Act fast - Respond quickly to security threats and vulnerabilities, and manage security projects efficiently to ensure timely compliance with regulations.
• Include always - Involve all employees in security initiatives, making cybersecurity a collective responsibility.
• Innovate for good - Use cutting-edge technologies and best practices to continuously improve Sunbit's cybersecurity measures and protect customer data.

Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.

Recruitment Fraud Disclaimer

We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.

We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.