Director, Fraud AI & Analytics

Job title: Director, Fraud AI & Analytics in USA at HealthEquity

Company: HealthEquity

Job description: OverviewHow you can make a differenceWe are seeking a strategic, hands-on leader to build and operate HealthEquity’s Director, Fraud AI & Analytics function - our frontline defense against evolving fraud and eCrime. In this role, you will build and mentor a high-performing team of data scientists, data engineers, and analysts. You will fuse transactional, identity, and cybersecurity telemetry data into a unified analytics platform, and lead the design and deployment of advanced AIML and graph-based models that proactively prevent losses and accelerate fraud investigations. As the data-driven voice of fraud and security intelligence, you will partner closely with our Fraud Operations team and law-enforcement agencies on coordinated takedowns of sophisticated fraud rings. You will also work with Fraud and Security Engineering teams to architect real-time containment rules, integrated into our transaction gateways and other cyber and identity defenses to prevent high-risk activity at scale. Your strategic roadmap will include Generative AI and RAG assistants for alert triage and case summarization, network-analytics pipelines for ring detection, and continuous model improvement that balances fraud reduction with a seamless member experience.What you’ll be doing

• Team Leadership & Collaboration: Recruit, mentor, and grow a high-impact data science and analytics team focused on fraud-ring detection, card and non-card fraud modeling, and identity intelligence


• Preventative Modeling: Build and operationalize AIML models to detect core fraud vectors (e.g., credential compromise, card fraud) and emerging threats (e.g., scams, account hijacks, deepfakes)


• Technology & Tools: Evaluate and implement cutting-edge fraud prevention technologies, machine learning models, and identity management systems to enhance operational efficiency


• Graph & Network Analytics: Operationalize graph-analysis pipelines to uncover fraud rings and synthetic identity clusters, surface network metrics (centrality, community detection) for targeted investigations


• GenAI-driven Investigations: Lead development of LLM/RAG/Agentic AI capabilities for across all of Cybersecurity and Fraud functions for auto-summaries, narrative generation, and root-cause explainers to reduce mean-time-to-detect and remediate.


• Real-time containment (partner): Partner with Product, engineering, SOC, and fraud operations to codify and deploy detection rules and strategies across transaction flows and other cyber and fraud playbooks for immediate threat mitigation


• Threat Intelligence & takedowns: Ingest external fraud and cyber-intel feeds and collaborate with Fraud Investigations, Legal, FBI, and Secret Service on evidence gathering and coordinated ring takedowns


• Strategic Roadmap: Define a multi-year plan for graph analytics expansion, Generative AI assistants and autonomous response agents, lead pilots and A/B tests to optimize fraud defenses and controls


• Identity Verification: Oversee the development and optimization of identity authentication and verification processes to ensure secure and seamless customer experiences.


• Governance & Compliance: Ensure all fraud prevention and identity practices comply with relevant regulations (e.g., GDPR, CCPA, AML) and industry standards

What you will need to be successful

• Bachelor's degree in data science, Statistics, Computer Science, or a related field


• 10+ years of experience in fraud prevention analytics or security intelligence; 5+ years managing technical teams.


• Proven expertise in statistical modeling & machine learning (Python, R, PyTorch, Spark)


• Hands-on expertise with data engineering (SQL, Azure Data Factory, Databricks, Data Lake)


• Familiarity with security-telemetry platforms (Azure Sentinel, Cribl LogStream) and automated response frameworks


• Track record integrating external threat-intel or consortium feeds into production detection systems


• Exceptional leadership and team management skills, with a track record of building high-performing teams.


• Excellent communication and presentation skills, with the ability to translate complex data into actionable insights for executive audiences.


• Familiarity with regulatory requirements and compliance standards in fraud and identity management.


• Ability to thrive in a fast-paced, dynamic environment and manage multiple priorities effectively.


• Master's degree or Ph.D. in data science, Statistics, or Computer Science


• Experience with AIML, Generative-AI (LLM/RAG/Agentic AI) for security or fraud usecases


• Background in fintech, payments, benefits-administration


• Hands-on experience with cloud-based analytics platforms (e.g., AWS, Google Cloud, Azure)

#LI-RemoteThis is a remote position.Salary Range$167000.00 To $275,500.00 / yearBenefits & PerksThe actual compensation offer is determined based on job-related knowledge, education, skills, experience, and work location. This position will be eligible for performance-based incentives and restricted stock units as part of the total compensation package, in addition to a full range of benefits including:

• Medical, dental, and vision

• HSA contribution and match

• Dependent care FSA match

• Uncapped paid time off

• Paid parental leave

• 401(k) match

• Personal and healthcare financial literacy programs

• Ongoing education & tuition assistance

• Gym and fitness reimbursement

• Wellness program incentives

Why work with HealthEquityWhy work with HealthEquityHealthEquity has a vision that by 2030 we will make HSAs as wide-spread and popular as retirement accounts. We are passionate about providing a solution that allows American families to connect health and wealth. Join us and discover a work experience where the person is valued more than the position. Click to learn more.You belong at HealthEquity!HealthEquity, Inc. is an equal opportunity employer, and we are committed to being an employer where no matter your background or identity – you feel welcome and included. We ensure equal opportunity for all applicants and employees without regard to race, age, color, religion, sex, sexual orientation, gender identity, national origin, status as a qualified individual with a disability, veteran status, or other legally protected characteristics. HealthEquity is a drug-free workplace. For more information about our EEO policy, or about HealthEquity’s applicant disability accommodation, drug-free-workplace, background check, and E-Verify policies, please visit our .HealthEquity uses Microsoft Copilot to transcribe screening interviews between candidates and their direct Talent Partner for note taking and interview summaries. By scheduling a screening interview with us, you consent to Microsoft Copilot’s AI technology recording and transcribing your interview with your Talent Partner. This information will be reviewed for accuracy and then used by HealthEquity to summarize the interview, ensure accuracy, and facilitate our hiring process. We take privacy seriously. You have the option to opt out. If you wish to opt out of this Microsoft Copilot transcription, please notify your Talent Partner in advance of the interview. If we do not receive an opt-out request from you, we will assume that you consent to the use of Microsoft Copilot.HealthEquity is committed to your privacy as an applicant for employment. For information on our privacy policies and practices, please visit .

Expected salary:

Location: USA

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