Qureos Mentor

Navan

<div>Navan is building a best-in-class Fraud Risk Management team to support our rapidly growing travel and expense management businesses. We are seeking a curious and highly analytical Fraud Threat Intelligence Analyst to proactively identify, analyze, and report on emerging threats that could impact our platform and our customers.

This is not a traditional operations role focused on reviewing transaction queues. Instead, you will be a detective, responsible for researching the external threat landscape and performing deep-dive analysis of internal data to uncover sophisticated fraud patterns. Your work will generate the actionable intelligence our organization needs to stay ahead of fraudsters. You will report to the Senior Manager, Fraud Operation and Investigations within the Risk Management organization.

What You'll Do:
<ul>
<li>Proactively Hunt for Threats: Monitor and analyze raw data from various sources (transactions, user behavior, network data) to identify emerging fraud patterns, anomalies, and sophisticated attack vectors.</li>
<li>Investigate Fraud Networks: Conduct deep-dive investigations into organized fraud rings using link analysis and other advanced techniques to map out networks, infrastructure, and methodologies.</li>
<li>Monitor the External Landscape: Research external intelligence sources, including dark web forums, security blogs, and industry reports, to stay ahead of new fraud Tactics, Techniques, and Procedures (TTPs).</li>
<li>Produce Actionable Intelligence: Develop and disseminate clear and concise intelligence reports, threat briefings, and alerts to key stakeholders, including Operations, Data Science, and leadership.</li>
<li>Inform our Defenses: Collaborate with Data Science and Fraud Operations teams to translate your intelligence findings into recommendations for new detection rules, model features, and preventative strategies.</li>
<li>Maintain a Knowledge Base: Build and maintain a repository of fraud intelligence, tracking key threat actors, TTPs, and indicators of compromise (IOCs) relevant to Navan.</li>
<li>Present Your Findings: Clearly articulate and present complex threat analyses and investigative findings to technical and non-technical audiences.</li>
</ul>
What We're Looking For:
<ul>
<li>1-3 years of experience in a threat intelligence, fraud analytics, risk analysis, or a similar investigative role that goes beyond transactional review.</li>
<li>Strong analytical and investigative mindset with a natural curiosity for uncovering the &quot;why&quot; behind the data and a passion for solving complex problems.</li>
<li>Proficiency with SQL for complex data querying and analysis is essential.</li>
<li>Excellent written communication skills, with the ability to synthesize complex information into clear, concise, and actionable intelligence reports.</li>
<li>High attention to detail and the ability to connect disparate pieces of information to see the bigger picture.</li>
<li>Self-motivated and able to manage multiple research projects and priorities in a dynamic environment.</li>
<li>Familiarity with the fraud ecosystem, including common TTPs for account takeover, card-not-present fraud, and identity theft.</li>
<li>Experience with data visualization tools (e.g., Tableau, Power BI) is a strong plus.</li>
<li>Experience in fintech, payments, travel, or e-commerce environments is a plus.</li>
<li>Exposure to programming languages like Python or R for data analysis is a plus.</li></ul></div>

Threat Intelligence Analyst

<div>Navan is building a best-in-class Fraud Risk Management team to support our rapidly growing travel and expense management businesses. We are seeking a curious and highly analytical Fraud Threat Intelligence Analyst to proactively identify, analyze, and report on emerging threats that could impact our platform and our customers.

This is not a traditional operations role focused on reviewing transaction queues. Instead, you will be a detective, responsible for researching the external threat landscape and performing deep-dive analysis of internal data to uncover sophisticated fraud patterns. Your work will generate the actionable intelligence our organization needs to stay ahead of fraudsters. You will report to the Senior Manager, Fraud Operation and Investigations within the Risk Management organization.

What You'll Do:
<ul>
<li>Proactively Hunt for Threats: Monitor and analyze raw data from various sources (transactions, user behavior, network data) to identify emerging fraud patterns, anomalies, and sophisticated attack vectors.</li>
<li>Investigate Fraud Networks: Conduct deep-dive investigations into organized fraud rings using link analysis and other advanced techniques to map out networks, infrastructure, and methodologies.</li>
<li>Monitor the External Landscape: Research external intelligence sources, including dark web forums, security blogs, and industry reports, to stay ahead of new fraud Tactics, Techniques, and Procedures (TTPs).</li>
<li>Produce Actionable Intelligence: Develop and disseminate clear and concise intelligence reports, threat briefings, and alerts to key stakeholders, including Operations, Data Science, and leadership.</li>
<li>Inform our Defenses: Collaborate with Data Science and Fraud Operations teams to translate your intelligence findings into recommendations for new detection rules, model features, and preventative strategies.</li>
<li>Maintain a Knowledge Base: Build and maintain a repository of fraud intelligence, tracking key threat actors, TTPs, and indicators of compromise (IOCs) relevant to Navan.</li>
<li>Present Your Findings: Clearly articulate and present complex threat analyses and investigative findings to technical and non-technical audiences.</li>
</ul>
What We're Looking For:
<ul>
<li>At least 3 years of experience in a threat intelligence, fraud analytics, risk analysis, or a similar investigative role that goes beyond transactional review.</li>
<li>Strong analytical and investigative mindset with a natural curiosity for uncovering the &quot;why&quot; behind the data and a passion for solving complex problems.</li>
<li>Proficiency with SQL for complex data querying and analysis is essential.</li>
<li>Excellent written communication skills, with the ability to synthesize complex information into clear, concise, and actionable intelligence reports.</li>
<li>High attention to detail and the ability to connect disparate pieces of information to see the bigger picture.</li>
<li>Self-motivated and able to manage multiple research projects and priorities in a dynamic environment.</li>
<li>Familiarity with the fraud ecosystem, including common TTPs for account takeover, card-not-present fraud, and identity theft.</li>
<li>Experience with data visualization tools (e.g., Tableau, Power BI) is a strong plus.</li>
<li>Experience in fintech, payments, travel, or e-commerce environments is a plus.</li>
<li>Exposure to programming languages like Python or R for data analysis is a plus.</li></ul></div>

Senior Threat Intelligence Analyst

<div>Navan is at the forefront of revolutionizing travel and expense management. As we scale globally, the integrity and security of our platform are paramount. We are seeking a visionary and operationally-minded leader to join as our Senior Manager of Fraud Operations and Investigations.

This is not just a management role; it is an opportunity to be the architect of a resilient, scalable, and world-class fraud defense ecosystem. You will be the cornerstone of our operational response, responsible for building the processes, developing the people, and implementing the strategies that protect Navan and its customers from sophisticated financial threats. This role will report directly to the Head of Fraud Operations, Investigations, and Threat Intelligence.

What You'll Do:

As the Senior Manager, you will govern the end-to-end fraud operations lifecycle. Your responsibilities will be organized around three core pillars: Strategic Leadership, Operational Excellence, and Expert Execution.
<div>
<ul><li>Strategic Leadership</li></ul>
</div><ul><li>Champion a High-Performance Culture: Build, mentor, and lead a world-class team of fraud investigators and analysts. Foster a culture of critical thinking, continuous improvement, and accountability.</li>
<li>Drive Strategic Initiatives: Lead key projects aimed at enhancing fraud detection, prevention, and response capabilities, including the implementation of new technologies and methodologies.</li>
<li>Cross-Functional Partnership: Serve as the key operational liaison to Product, Engineering, Data Science, Legal, and Finance teams to ensure fraud risk is a shared, managed responsibility across the organization.</li>
</ul><div><ul><li>Operational Excellence &amp; Management</li></ul>
</div><ul><li>Architect Scalable Processes: Design, document, and enforce Standard Operating Procedures (SOPs) for all facets of fraud investigation, incident response, and chargeback management to ensure consistency, quality, and compliance.</li>
<li>Master Workforce Management (WFM): Implement and manage robust WFM practices, including capacity planning, team scheduling, and real-time queue management to meet SLAs across a 24/7 global operation.</li>
<li>Govern Performance with Data: Establish, monitor, and report on Key Performance Indicators (KPIs) and Service Level Agreements (SLAs) such as loss rates, detection accuracy, investigator productivity, and customer impact.</li>
<li>Build a Quality &amp; Training Engine: Develop and scale a comprehensive training program for new and existing team members, alongside a Quality Assurance (QA) framework to maintain the highest standards of investigation.</li>
<li>Optimize Chargeback Strategy: Own and refine the chargeback management strategy for both our card issuing and travel businesses, focusing on maximizing recovery rates and minimizing losses.</li>
</ul>
III. Expert Execution &amp; Incident Command
<ul>
<li>Lead Complex Investigations: Act as the ultimate escalation point for the most complex and sensitive fraud investigations, guiding the team in using advanced techniques like linkage analysis to neutralize systemic threats.</li>
<li>Command Incident Response: Serve as the designated Incident Commander during major fraud events, orchestrating a swift, calm, and effective cross-functional response to contain impact and remediate vulnerabilities.</li>
<li>Inform Detection &amp; Analytics: Partner with data teams to define requirements for fraud detection models and rule-based systems. Translate investigative findings into actionable intelligence to continuously improve our automated defenses.</li>
<li>Manage Vendor &amp; Tooling Ecosystem: Evaluate, select, and manage relationships with third-party fraud data and technology vendors to ensure our team is equipped with best-in-class tools.</li>
</ul>
What We're Looking For:
<ul>
<li>Required Qualifications:
<ul>
<li>A Bachelor's degree in a relevant field (e.g., Business, Finance, Criminal Justice, Data Analytics) or equivalent practical experience.</li>
<li>11 - 15 years of progressive experience in fraud risk management, with a clear focus on fraud operations and investigations within a fast-paced environment like fintech, e-commerce, or financial services.</li>
<li>A minimum of 5 years of direct people management experience, with a proven track record of hiring, developing, and leading high-performing operational teams.</li>
<li>Deep Operational Expertise: Demonstrated experience in creating and implementing SOPs, managing WFM/scheduling for an operations team, and establishing data-driven KPIs and QA programs.</li>
<li>Domain Mastery: Comprehensive knowledge of the fraud landscape, including card-not-present (CNP) fraud, account takeover (ATO), issuing/acquiring fraud (BIN attacks, bust-out), identity fraud, and chargeback processes.</li>
<li>Data-Driven Decision Making: Strong proficiency in SQL for data analysis and a solid understanding of how data science languages (e.g., Python, R) and BI tools (e.g., Tableau, Power BI) are applied to monitor trends and drive strategic decisions.</li>
<li>Crisis Leadership: Proven ability to lead calmly and decisively under pressure, acting as an incident commander during high-stakes situations.</li>
</ul>
Preferred Qualifications:
<ul>
<li>Master's degree in a related field.</li>
<li>Experience managing a global or distributed team across multiple time zones.</li>
<li>Professional certifications such as CFE (Certified Fraud Examiner) or CFCI (Certified Financial Crimes Investigator).</li>
<li>Experience with Lean, Six Sigma, or other process optimization methodologies.</li>
<li>Experience managing vendor relationships and tooling budgets for a fraud operations team.</li></ul></li></ul></div>

Senior Manager, Fraud Operations

<div>Navan is building a best-in-class Fraud Operations team to support our rapidly growing travel and expense management businesses. We are seeking a Senior Fraud Operations Analyst to join our 24&times;7 fraud operations function and help protect our customers by reviewing transactions, identifying fraudulent activity, and performing customer verification when required.

This role is a purely operations-focused position, where accuracy, timeliness, and adherence to established fraud policies and SLAs are critical to success. The Fraud Operations Analyst will report to the Lead, Fraud Operations within the Risk Management organization.

What You'll Do:
<ul>
<li>Review and analyze flagged transactions to determine whether the activity is legitimate or fraudulent.</li>
<li>Make accurate fraud/non-fraud decisions by following defined policies, procedures, and decision frameworks.</li>
<li>Conduct outbound customer communication (phone and/or email) to verify suspicious charges and confirm the account activity when required.</li>
<li>Clearly document investigation outcomes, customer interactions, and actions taken in internal case management systems.</li>
<li>Take appropriate action on confirmed fraud cases, including transaction blocking or account-level actions or user-level actions, in accordance with SOP guidelines.</li>
<li>Meet or exceed defined service level agreements (SLAs) while maintaining a high level of decision accuracy and quality.</li>
<li>Work efficiently in a 24&times;7 shift-based environment, including participation in one of three rotating shifts when required.</li>
<li>Escalate complex or high-risk cases to leads in line with established escalation procedures.</li>
</ul>
What We're Looking For:
<ul>
<li>At least 3 years of experience in fraud operations, transaction monitoring, payments risk, trust and safety, or a related fraud-focused operations role.</li>
<li>Hands-on experience reviewing transactions and making fraud determinations.</li>
<li>Comfortable performing outbound customer verification and handling sensitive conversations professionally.</li>
<li>Strong verbal and written communication skills.</li>
<li>High attention to detail with a consistent track record of accurate decision-making.</li>
<li>Ability to work in a high-volume, fast-paced operational environment while meeting strict SLAs.</li>
<li>Willingness and flexibility to work across three rotating shifts as part of a 24&times;7 operations team.</li>
<li>Familiarity with fraud tools, case management systems, or payment platforms is a plus.</li>
<li>Experience in fintech, payments, travel, or e-commerce environments is a plus.</li></ul></div>

Senior Fraud Operations Analyst

<div>Navan is building a best-in-class Fraud Operations team to support our rapidly growing travel and expense management businesses. We are seeking a Senior Fraud Investigation Analyst to join our 24&times;7 fraud operations function and help protect our customers by reviewing transactions, identifying fraudulent activity, and performing customer verification when required.

This role is a purely operations-focused position, where accuracy, timeliness, and adherence to established fraud policies and SLAs are critical to success. The Fraud Operations Analyst will report to the Lead, Fraud Operations within the Risk Management organization.

What You'll Do:
<ul>
<li>Review and analyze flagged transactions to determine whether the activity is legitimate or fraudulent.</li>
<li>Make accurate fraud/non-fraud decisions by following defined policies, procedures, and decision frameworks.</li>
<li>Conduct outbound customer communication (phone and/or email) to verify suspicious charges and confirm the account activity when required.</li>
<li>Clearly document investigation outcomes, customer interactions, and actions taken in internal case management systems.</li>
<li>Take appropriate action on confirmed fraud cases, including transaction blocking or account-level actions or user-level actions, in accordance with SOP guidelines.</li>
<li>Meet or exceed defined service level agreements (SLAs) while maintaining a high level of decision accuracy and quality.</li>
<li>Work efficiently in a 24&times;7 shift-based environment, including participation in one of three rotating shifts when required.</li>
<li>Escalate complex or high-risk cases to leads in line with established escalation procedures.</li>
</ul>
What We're Looking For:
<ul>
<li>At least 3 years of experience in fraud operations, transaction monitoring, payments risk, trust and safety, or a related fraud-focused operations role.</li>
<li>Hands-on experience reviewing transactions and making fraud determinations.</li>
<li>Comfortable performing outbound customer verification and handling sensitive conversations professionally.</li>
<li>Strong verbal and written communication skills.</li>
<li>High attention to detail with a consistent track record of accurate decision-making.</li>
<li>Ability to work in a high-volume, fast-paced operational environment while meeting strict SLAs.</li>
<li>Willingness and flexibility to work across three rotating shifts as part of a 24&times;7 operations team.</li>
<li>Familiarity with fraud tools, case management systems, or payment platforms is a plus.</li>
<li>Experience in fintech, payments, travel, or e-commerce environments is a plus.</li></ul></div>

Senior Fraud Investigations Analyst

<div>Navan is building a best-in-class Dispute Review Operations team to support our rapidly growing travel and expense management businesses. We are seeking a meticulous and analytical Dispute Review Analyst to join our 24&times;7 operations function. This role is crucial for safeguarding Navan's financial health and ensuring fair outcomes for our customers by managing the end-to-end payment dispute process.

This role is a purely operations-focused position where accuracy, thorough investigation, and adherence to card network regulations and SLAs are critical to success. The Dispute Review Analyst will report to the Lead, Fraud Operations within the Risk Management organization.
<h4 class="jobSectionHeader">
What You'll Do:</h4>
<ul><li>Manage the Dispute Lifecycle: Investigate and manage incoming payment disputes (chargebacks) and retrieval requests from card networks.</li>
<li>Conduct Thorough Investigations: Perform evidence-based investigations for each dispute case by gathering documentation from internal systems, analyzing transaction data, and reviewing customer communications.</li>
<li>Build Compelling Representments: Draft and submit clear, compelling, and well-written dispute representments (rebuttals) with all required supporting evidence to defend legitimate transactions against chargebacks.</li>
<li>Make Data-Driven Decisions: Analyze case evidence to make accurate decisions on whether to accept liability or represent a dispute, with a focus on minimizing financial losses and adhering to policy.</li>
<li>Maintain Meticulous Records: Clearly and accurately document all investigation steps, evidence gathered, actions taken, and the final outcome in our case management system.</li>
<li>Adhere to Strict Timelines: Meet or exceed defined Service Level Agreements (SLAs) and card network deadlines for all stages of the dispute lifecycle, from initial review to final resolution.</li>
<li>Communicate Effectively: Engage in professional and empathetic communication with customers when necessary to gather information pertinent to a dispute case.</li>
<li>Escalate with Precision: Escalate complex cases, unusual trends, or high-risk disputes to the team Lead or Manager in accordance with established procedures.</li>
<li>Uphold Compliance: Adhere strictly to data privacy, security, and PCI compliance requirements while handling sensitive customer and payment information.</li>
<li>Be a Team Player: Work efficiently in a 24&times;7 shift-based environment, including participation in one of three rotating shifts when required.</li>
</ul>
What We're Looking For:
<ul>
<li>At least 3 years of direct experience in payment disputes, chargeback analysis, or a related role within the payments, fintech, or e-commerce industry.</li>
<li>Strong understanding of the chargeback lifecycle and familiarity with reason codes for major card networks.</li>
<li>Exceptional written and verbal communication skills, with a specific talent for writing persuasive and logical arguments for dispute representments.</li>
<li>Analytical mindset with a proven ability to investigate complex cases, connect data points, and make sound judgments.</li>
<li>High attention to detail and a commitment to accuracy, especially when compiling evidence and documenting cases.</li>
<li>Ability to work effectively in a high-volume, fast-paced operational environment while meeting strict deadlines.</li>
<li>Willingness and flexibility to work across three rotating shifts as part of a 24&times;7 operations team.</li>
<li>Experience with dispute management platforms or payment processor portals (e.g., Stripe, Adyen) is a strong plus.</li>
<li>A strong sense of ownership, integrity, and a professional demeanor.</li></ul></div>

Senior Dispute Review Analyst

<div>Navan is building out a best-in-class fraud risk management team to support our rapidly growing travel and expense management businesses. We are seeking a Senior Data Analyst, Fraud Investigations with strong analytical and investigative skills to help identify, analyze, and disrupt emerging fraud patterns. This role requires a data-driven problem solver with deep expertise in SQL, Snowflake, and advanced analytics techniques such as cluster analysis to detect organized fraud rings and take swift, decisive action. The position will report to the Head of Fraud Operations, Investigations, and Threat Intelligence within the Risk Management organization.

What You'll Do:
<ul>
<li>Leverage advanced SQL and Snowflake expertise to extract, analyze, and interpret large, complex datasets to detect unusual patterns and potential fraud activity.</li>
<li>Conduct cluster and network analysis to identify organized fraud rings, coordinated activity, and high-risk behaviors across Navan's platforms.</li>
<li>Lead end-to-end investigations of sophisticated fraud cases, collaborating closely with Fraud Operations, Product, and Security teams.</li>
<li>Translate analytical findings into actionable strategies to mitigate losses and strengthen fraud detection frameworks.</li>
<li>Develop and maintain dashboards, reports, and fraud indicators that surface emerging risks in near real-time.</li>
<li>Partner with engineers and data scientists to enhance existing rules, models, and anomaly detection systems.</li>
<li>Present findings and recommendations to senior leadership in a clear, concise, and actionable manner.</li>
<li>Continuously improve investigative methodologies, data tools, and internal processes to enhance fraud detection and response capabilities.</li>
</ul>
What We're Looking For:
<ul>
<li>Bachelor's degree in Data Science, Computer Science, Statistics, Business Analytics, or a related field (Master's preferred).</li>
<li>2&ndash;5 years of professional experience in fraud analytics, fraud investigations, or financial crime risk management.</li>
<li>Expert-level proficiency in SQL and strong hands-on experience with Snowflake or equivalent data warehouse technologies.</li>
<li>Proven experience applying cluster analysis, network analysis, or anomaly detection to identify coordinated fraud activity.</li>
<li>Strong analytical mindset with the ability to connect seemingly unrelated data points into coherent fraud hypotheses.</li>
<li>Exceptional attention to detail, critical thinking, and investigative intuition.</li>
<li>Strong communication skills and able to translate complex analytical findings into clear business insights.</li>
<li>Experience in travel, fintech, or e-commerce industries is a plus.</li></ul></div>

Senior Data Analyst, Fraud Investigations

Join Navan and explore 9   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.