Senior Business Analyst, Fraud Strategy

About the Role: At KOHO, we're building a financial system that works for everyone, and that means staying ahead of fraud and financial crime. As a Senior Business Analyst on our Fraud Strategy team, you'll be a core contributor to the data systems, models, and controls that protect our users and business. You'll work at the intersection of data and financial crime risk, translating complex fraud and AML challenges into analytical frameworks and actionable strategies. You'll balance risk mitigation with a product mindset, asking not just "does this stop fraud?" but "does this make KOHO better for our users?"

What You'll Be Doing

• Owning the end-to-end fraud control landscape on applications and transactions: assessing what's working, spotting what's missing, and driving improvements.
• Leading the design and evolution of our fraud detection models, treating them as living systems.
• Developing a deep understanding of the fraud patterns specific to KOHO, and taking accountability for executing strategies to address them.
• Championing the customer experience within risk decisions, ensuring controls are precise so legitimate customers aren't caught in the crossfire.
• Identifying and implementing automation opportunities that make the team faster and more scalable.
• Building and presenting business cases that turn data and risk insights into clear investment decisions.
• Partnering closely with stakeholders across Product, Engineering, Compliance, and Operations.

Who You Are

• 3+ years of experience working in fraud teams, with a solid understanding of fraud/scam trends and prevention concepts across payments and banking.
• Strong problem-solving skills: you ask why, dig into the data, and find the root cause.
• Strong SQL skills, with proven ability to build reports and present data clearly. Experience with Sigma, DBT, Python (Pandas, numpy) is a strong asset.
• Track record of analyzing transactional and user data to develop and refine fraud rules and models.
• Familiarity with fraud prevention platforms and third-party vendor tools.
• Comfortable leading cross-functional, multi-stakeholder projects and communicating findings clearly.

Benefits

• Competitive compensation & equity.
• Generous vacation + Wellness days + Flex Days + holiday closure.
• Remote-first environment + coworking support + yearly all hands retreat.
• Comprehensive health benefits & Parental top-up & leave policies.
• Power-up budgets for books, home office setup, phone & internet, AI tools, and professional development.