Fraud Operations Manager

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  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 a 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.

Sunbit is seeking a Fraud Operations Manager to lead day-to-day fraud operations and drive continuous improvement across fraud prevention, detection, and investigation processes. This role blends people leadership, operational excellence, and data-driven decision-making to reduce fraud losses while maintaining a seamless customer experience.

• Lead and develop a team of Fraud Analysts responsible for transaction monitoring, application review, chargeback management, and investigations
• Own daily fraud operations workflows, SLAs, and escalation processes
• Monitor fraud trends, KPIs, and loss metrics; identify root causes and recommend corrective actions
• Partner with Fraud Data Analytics to optimize rules, models, and alerting strategies
• Collaborate with Product and Engineering on fraud tooling, automation, and system enhancements
• Ensure consistent application of fraud policies and procedures across all channels
• Drive operational efficiency while balancing fraud risk, approval rates, and customer experience
• Support audits, regulatory inquiries, and compliance requirements related to fraud controls
• Create and maintain documentation, playbooks, and training materials
• Serve as an escalation point for complex fraud cases and emerging fraud patterns

• 5–8+ years of experience in fraud operations, risk operations, or financial crimes within fintech, payments, lending, or financial services
• 2+ years of people management experience leading fraud or risk teams
• Experience in installment lending, BNPL, or credit underwriting environments
• Hands‑on experience partnering with Fraud Data Science or Analytics teams
• Familiarity with regulatory expectations related to fraud and consumer protection
• Strong understanding of fraud typologies (application fraud, identity theft, synthetic identity, account takeover, merchant fraud, chargebacks)
• Experience working with fraud tools, case management systems, and decision engines
• Data‑driven mindset with experience interpreting dashboards, reports, and trends (SQL or BI tools a plus)
• Proven ability to improve processes, scale operations, and implement automation
• Excellent communication and cross‑functional collaboration skills
• Ability to thrive in a fast‑paced, high‑growth environment

Sunbit is recognized as one of the fastest‑growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and Fin Tech Breakthrough for its innovation and impact. The company has also been featured among…