Senior Fraud Specialist

Intuit Credit Karma is a mission-driven company, focused on championing financial progress for our more than 140 million members globally. While we're best known for pioneering free credit scores, our members turn to us for everything related to their financial goals, including identity monitoring, applying for credit cards, shopping for insurance and loans (car, home and personal) and savings accounts and checking accounts* – all for free.

Credit Karma has grown significantly through the years: we now have more than 1,700 employees across our offices in Oakland, Charlotte, Culver City, San Diego, London, Bangalore, and New York City.

* Banking services provided by MVB Bank, Inc., Member FDIC

• Lead complex investigations that go beyond standard queue work—triaging high-risk anomalies, validating hypotheses, and documenting defensible outcomes.
• Identify and disrupt organized fraud by connecting patterns across accounts, devices, behaviors, transactions, and related signals—building cases that drive action.
• Support incident response by helping coordinate rapid triage, exposure quantification, mitigation recommendations, and post-incident root cause analysis (RCA).
• Build and maintain repeatable analytics using SQL and advanced spreadsheets to accelerate investigations, track outcomes, and improve consistency of decisions.
• Turn insights into action by translating investigative findings into clear recommendations that strengthen controls, close monitoring gaps, and reduce recurrence.
• Communicate clearly under pressure—summarizing complex data into concise narratives for cross-functional stakeholders and leadership.
• Partner cross-functionally with Product, Engineering, Data Science/Analytics, and Policy to operationalize mitigations and improve end-to-end fraud defense.

• You’ll work on the problems that don’t come with a playbook—where your judgment and curiosity make the difference.
• You’ll have meaningful ownership: from first signal → investigation → recommendation → follow-through.
• You’ll collaborate with teams across Credit Karma and help shape how we respond to fast-moving fraud threats.

• 4–6+ years experience in fraud investigations, fraud analytics, risk operations, or financial forensic work (fintech, banking, payments, e-commerce, or financial services).
• Intermediate SQL skills—able to write and modify queries independently to extract, join, and analyze data (not just run existing reports).
• Advanced Excel/Google Sheets—comfortable building investigation trackers, models, and complex analysis with large datasets.
• Demonstrated strength in critical thinking and navigating ambiguity, especially when SOPs don’t exist yet.
• Strong written and verbal communication—able to synthesize complex findings into clear, action-oriented summaries.
• Ability to manage multiple priorities and pivot quickly based on severity, exposure, and operational urgency.

• Experience with fraud ring investigations, coordinated abuse, or large-scale fraud events.
• Familiarity with incident management practices (triage, containment, mitigation, retrospective/RCA).
• Comfort partnering with technical teams to translate operational problems into requirements and measurable outcomes.
• Experience working in fast-paced environments where decisions must balance risk reduction and customer/member impact.
• Bachelor’s degree in a relevant field (Finance, Accounting, Criminal Justice, Data/Analytics, or similar) or equivalent practical experience.

• Medical and Dental Coverage
• Retirement Plan
• Commuter Benefits
• Wellness perks
• Paid Time Off (Vacation, Sick, Baby Bonding, Cultural Observance, & More)
• Education Perks
• Paid Gift Week in December

Credit Karma is proud to be an Equal Employment Opportunity Employer. We welcome all candidates without regard to race, color, religion, age, marital status, sex (including pregnancy, childbirth, or related medical condition), sexual orientation, gender identity or gender expression, national origin, veteran or military status, disability (physical or mental), genetic information or other protected…