ABOUT US
At https://felixpago.com/Félix [https://felixpago.com/], we are building the
indispensable financial companion for Latinos in the US. We combine an
AI-powered, conversational-first interface with real-time financial
infrastructure to make cross-border money movement as easy as sending a text.
Starting with fast, affordable remittances powered by AI and crypto rails, we
are expanding into credit, savings, and wallet services to support the complete
immigrant financial journey. Our ambition is to deliver a white-glove financial
experience with the simplicity of a conversation to a community the traditional
financial system has historically overlooked.
We are a hyper-growth Series C company, backed by over $300 million in funding
from top-tier global investors, including Andreessen Horowitz, QED, Castle
Island, Switch Ventures, HTwenty, Monashees, General Catalyst Customer Value
Fund. This isn't just about the numbers; it's a testament to the trust our
investors have in our vision and our team. Additionally, Félix was selected as
an “Endeavour Entrepreneur” and was a recipient of the CrossTech Fintech
Startups Award.
Joining Félix means you will be part of a team building a legacy, a company that
will outlive us all. This is a rare opportunity to apply your skills to a deeply
meaningful mission—serving a community that has been underserved for too long
because we are obsessed with our customers. We get things done with urgency and
focus, driven by extreme ownership over our impact. We collaborate without ego,
fostering radical transparency and fierce loyalty so we can grow together.
Because we aim for insanely great rather than just good enough, we stay
insatiably curious—always experimenting, building the future today, and
delivering a product that truly makes our users' lives better.
About the Role
As our Fraud Lead for Consumer Lending, you will be the core architect and
gatekeeper protecting the unit economics of our Send Now Pay Later (SNPL)
product. This is a high-visibility, cross-functional role reporting directly to
the Head of Credit Risk, with a dotted line into our broader Fraud Organization.
You will be responsible for defining, architecting, and mitigating fraudulent
behaviors at the intersection of instant conversational interfaces (WhatsApp)
and digital cross-border lending. We need an autonomous, highly analytical fraud
specialist who can build prevention frameworks from scratch, identify
sophisticated attack vectors, deploy dynamic decisioning logic, and ensure that
our business growth remains secure and highly profitable.
Responsibilities
Fraud Strategy & Architecture: Design, launch, and continuously refine
first-party and third-party fraud typologies specifically tailored to our
WhatsApp conversational lending ecosystem.
Payment & Repayment Analytics: Own repayment fraud, identity spoofing, and
chargeback analytics for SNPL payments, proactively identifying exploit
loops, synthetic identities, and implementing preemptive transaction blocks.
Unit Economics & Metric Ownership: Drive and hold direct accountability for
core fraud metrics (e.g., net fraud rate, false positive ratios, challenge
rates, chargeback-to-sales ratios) across the entire lending vertical without
hindering conversion.
Decision Engine Architecture: Own rule design and logic orchestration within
modern decision engines (e.g., Taktile, Provenir, Alloy) and partner with
Data Science to deploy, monitor, and calibrate Machine Learning risk models
in production.
Operational Policy Design: Partner closely with Operations and Engineering
teams to design, optimize, and scale automated blocking protocols alongside
efficient manual investigation workflows.
Regulatory & Compliance Liaison: Coordinate with Legal & Compliance to
monitor, flag, and report Suspicious Activity Reports (SARs), loan abuse
patterns, and system exploitation in alignment with regulatory standards.
Requirements
Fintech & Lending Core: 4–5+ years of hands-on experience in Fraud Risk
Strategy and Prevention, explicitly within consumer lending, Buy Now Pay
Later (BNPL), digital wallets, or credit card ecosystems.
Data Analytics Mastery: Advanced skills in SQL (BigQuery, Snowflake, etc.)
and data manipulation (Python/R or BI visualization tools) to extract,
analyze, and model transactional logs independently with total autonomy.
Rule Engine & MLOps Exposure: Proven experience working with modern decision
engines (such as Taktile, Provenir, Alloy, or similar) and
deploying/monitoring machine learning risk models in live environments.
Investigative & OSINT Mindset: Deep understanding of emerging fraud attack
vectors, account takeover (ATO), and synthetic fraud, with a track record of
using data and OSINT techniques for threat detection.
Exceptional Cross-Functional Communication: Strong ability to translate
complex fraud patterns and technical metrics into actionable business risks
for C-suite executives, product managers, and engineering teams.
Extreme Ownership: A true builder mentality with an experimental spirit,
capable of moving from high-level data insights down to policy execution with
speed, precision, and zero hand-holding.
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
401(k)
Work model: currently fully remote, with a future transition to a hybrid set
up
Health, dental, and vision plans
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.
Want to learn more about our privacy practices? Check out our Privacy Policy
[https://www.felixpago.com/en/legal].