Job Description

Head of Fraud 

Trovy Technologies

Location: New York City Preferred 

About Us

Trovy is redefining home equity lending with a new generation of products that combine the flexibility of card-based payments with the power of secured real estate lending. Backed by top-tier venture capital investors, Trovy is led by a team of proven fintech innovators dedicated to reshaping how consumers access and manage credit.

Role Overview

We’re looking for a Head of Fraud to build and lead Trovy’s fraud risk function from the ground up. This is a mission-critical leadership role responsible for designing, implementing, and scaling our fraud prevention and detection strategy across both our lending and card-based payment products. You'll collaborate across product, engineering, data, compliance, and operations to ensure fraud risk is embedded into every layer of our platform—without compromising customer experience.

Key Responsibilities

Strategic Leadership

• Define and execute Trovy’s fraud risk strategy across the lending and payments lifecycle.
• Build and lead a high-performing fraud risk team, including analytics, investigations, and operations.
• Serve as the subject matter expert on fraud trends, tools, and emerging threats in fintech.

Fraud Detection & Prevention

• Develop and implement scalable fraud monitoring and detection systems leveraging machine learning, rule-based engines, and third-party data sources.
• Design and iterate on fraud policies and controls for onboarding, credit issuance, and transaction-level activity.
• Collaborate with data science and engineering to optimize fraud models and real-time decisioning tools.

Product & Operations Partnership

• Partner with product and design teams to balance fraud mitigation with a frictionless customer experience.
• Support operational teams with tools and training to respond to fraud incidents, disputes, and customer claims.
• Embed fraud controls in payment systems, card networks, and digital wallets.

Governance & Reporting

• Establish KPIs and dashboards to track fraud loss, attack vectors, and performance of fraud controls.
• Lead investigations of high-impact fraud events and communicate findings to executive leadership and the board.
• Ensure regulatory compliance with fraud-related requirements (e.g., Reg E, Reg Z, FCRA, GLBA).

External Partnerships

• Manage relationships with fraud vendors, consortium data providers, and law enforcement agencies.
• Evaluate and implement fraud tooling and infrastructure that scales with our growth.

What We’re Looking For

• 8+ years of experience in fraud strategy or fraud operations, ideally within high-growth fintech, payments, or lending environments.
• Deep expertise in credit card fraud (transactional and application-level), synthetic identity, account takeover, and mule activity.
• Experience building and scaling fraud prevention systems and cross-functional teams.
• Strong working knowledge of fraud detection tools (e.g., Sift, Alloy, Kount, Feedzai, etc.) and data signals (e.g., device fingerprinting, behavioral biometrics).
• Familiarity with payment networks, credit card issuing, and dispute processes.
• Analytical mindset with experience leveraging SQL, dashboards, and fraud model outputs.
• Excellent communication skills with a proactive, ownership-driven mindset.

Why Join Us?

• Build Something Big: Own and define a critical function from the ground up.
• Executive Visibility: Report directly to the leadership team with real influence on strategy and execution.
• Massive Market: Be part of reimagining how Americans unlock the $30T in home equity.
• Compensation: Competitive salary, meaningful equity, and full benefits.
• Benefits: 401(k), company-paid medical, dental, vision, and life insurance, flexible time off, and more.

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