Fraud Operations Specialist

Location: San Francisco or Remote (US-based)

Employment Type: Full Time

Schedule Requirements: Tuesday–Saturday, noon–8pm PST

About Atlas

Atlas is the concierge charge card built for those who expect more - unlocking access to world-class dining, luxury travel, and lifestyle experiences, while making spending seamless.

Our members are discerning, high-spending individuals and companies who rely on Atlas for insider access, curated service, and unmatched reliability.

In just over a year, we’ve organically scaled to hundreds of millions in spend volume, growing double digits month over month. Backed by Y Combinator, Valar Ventures (Peter Thiel), Eric Schmidt, Elad Gill, and other leading fintech and consumer investors, Atlas is building the modern alternative to Amex Centurion, with a high-margin, high-growth model and a clear path to over $1B in spend volume.

Our team is lean, senior, and fast-moving, with experience across Apple, Robinhood, Instacart, and DoorDash.

The Role

We’re hiring a Fraud Operations Specialist to strengthen Atlas’s fraud prevention and operational defense foundation.

In this role, you’ll be on the front lines of member onboarding, transaction monitoring, and fraud response — ensuring Atlas maintains world-class trust and reliability as we grow. You’ll handle suspicious activity reviews, verify customer identities and businesses, and act quickly to prevent fraud before it impacts our members. The role requires sharp attention to detail, sound judgment, and comfort operating in a high-volume, fast-moving environment.

This is a Wednesday–Sunday, noon–8pm PST schedule — ideal for someone who thrives with autonomy and excels at operational execution.

What You’ll Do:

• Conduct end-to-end reviews for new member and business onboarding, completing KYC/KYB checks, document verification, and enhanced due diligence.

• Monitor real-time transaction and account activity to identify and respond to potential fraud, abuse, or account takeovers (ATOs).

• Triage and investigate alerts, escalate high-risk activity, and communicate findings efficiently across teams.

• Support member dispute resolution by assembling evidence, coordinating chargebacks, and ensuring consistent documentation and compliance.

• Execute on fraud playbooks and continually refine workflows for accuracy, efficiency, and scalability.

• Partner with product and engineering to flag issues, test improvements, and maximize automation opportunities.

• Maintain a calm, professional demeanor during time-sensitive investigations and high-volume periods.
  

What We’re Looking For:

• 2–4+ years of experience in fraud operations, risk, or customer operations — ideally in payments, fintech, or financial services.

• Proven ability to manage operational queues, follow structured procedures, and make consistent, high-quality decisions.

• Familiarity with fraud detection tools, KYC/KYB systems, and case management platforms (e.g., Persona, Sardine, LexisNexis).

• Deep attention to detail, strong pattern recognition, and comfort navigating ambiguity.

• Excellent communication skills — clear, precise, and professional.

• Availability to work Wednesday–Sunday, noon–8pm PST.

• A team-first mindset and a passion for protecting both business integrity and member experience.

Nice to have:

• SQL knowledge to create queries and dashboards (Metabase)

• Experience with credit card disputes, regulations (reg Z, reg E) and Visa disputes guidelines

Why Join Us

• Join a high-growth fintech redefining lifestyle and payments for the most discerning customers on the planet.

• Work with a small, elite team that’s built products like the iPhone and moves fast with a focus on performance and precision.

• Be part of a culture that rewards autonomy, encourages innovation, and treats its employees with the same level of care we provide our members.

• Operate in a culture that rewards results with real ownership and the chance to build things that materially impact our members' daily lives.

• Full Medical, Dental, and Vision coverage.

• 401k Plan.

• Flexible Time Off.

• A hybrid or remote environment (depending on proximity to the office) with flexibility when needed.

The salary range for this position is between $68,000 and $95,000, plus equity/stock options at Atlas. This range may vary depending on a variety of factors considered in compensation decisions, including but not limited to skills, experience, training, degrees, and certifications. The salary range is just one aspect of our comprehensive total compensation package, which includes a range of benefits. This is a full-time position.

In accordance with the New York City Human Rights Law, the stated salary range reflects the base pay for this role at the time of posting. Actual compensation may vary based on factors such as experience, education, and skill level.

Employment is contingent upon the successful completion of background checks and compliance with applicable regulatory requirements.