Fraud Analyst Jobs in San Francisco, CA

About The Team

Turo is the world's largest car sharing marketplace, connecting a vibrant community of hosts and guests across the US, UK, Canada, Australia, and France. As we scale into new markets and invest in the next generation of our platform, the teams that protect it matter more than ever. The Marketplace Risk group sits within our global Trust and Safety organization and is central to keeping Turo safe, resilient, and trusted. The group owns Fraud Prevention and Chargebacks — preventing payment fraud, protecting identity and account security, improving chargeback outcomes, and reducing vehicle theft risk at scale. We monitor complex fraud patterns, protect billions in transaction value, and deliver the operational and analytical strength a global marketplace demands. This is where you come in.

What You Will Do

Reporting to the Vice President, Trust and Safety, you will own the strategic vision and operational execution for Turo's global fraud prevention and chargeback functions. This is a role for a leader who operates at multiple levels — setting long-range strategy, driving cross-functional roadmaps, and diving deep into complex fraud and chargeback analyses when the business requires it. Your leadership will shape the systems, policies, and operational frameworks that protect the marketplace and the customers who depend on it.

• Own the strategic planning, prioritization, and execution of Turo's global fraud prevention, chargeback management, and theft mitigation programs
• Lead, develop, and hold accountable a team of managers and subject matter experts across internal and vendor-supported operations
• Build frameworks and processes that drive global alignment, operational consistency, and scalable performance across in-house and outsourced teams
• Monitor risk signals and operational controls, identify gaps, and prioritize actions that reduce losses and strengthen prevention
• Partner with Product, Engineering, Analytics, and Data Science to deliver tooling improvements, risk controls, and automation that reduce fraud while limiting false positives
• Synthesize complex risk metrics into clear, executive-level narratives and recommendations for senior leadership and cross-functional partners
• Drive quarterly strategy planning tied to measurable outcomes across fraud reduction, chargeback performance, theft mitigation, and customer protection
• Develop teams through coaching, talent planning, and structured QA programs that elevate performance globally

Your profile

- 10+ years of experience in Trust and Safety, Fraud, Risk Management, or a related field, preferably in a marketplace, fintech, or technology environment
- 8+ years leading teams, with demonstrated ability to develop managers, specialists, and vendor-supported operations at global scale
- Proven ability to design scalable solutions across policy, tooling, enforcement, and operational frameworks
- Deep analytical capability with fluency in SQL, Excel or Sheets, and data visualization tools
- Strong track record of leading cross-functional initiatives in partnership with Product, Engineering, Analytics, Finance, and Operations
- Skilled at structuring complex or ambiguous problems and translating analysis into clear recommendations and action plans
- Experienced in creating executive-level narratives and presentations that connect data to strategy
- Collaborative communicator who can influence and align stakeholders across teams, levels, and global locations
- Comfortable operating in a fast-moving environment with a bias toward improving systems, processes, and outcomes

Bonus if you have

- Advanced degrees or relevant certifications such as Certified Fraud Examiner (CFE)
- Background in two-sided marketplaces or mobility platforms with an understanding of supply and demand risk dynamics
- Experience with risk tooling such as Sift, Socure, or Ekata, and familiarity with payment systems such as Stripe

Compensation

For this role, the target base salary range in San Francisco is $175,000–$215,000 annually and for Phoenix the target base salary range is $152k–$190k. This role is also eligible for bonus, equity and benefits. In general, our ranges reflect the market-based target for new hire salaries based on the level and location of the role. Within the range, individual pay is determined by objective factors assessed during the application and interview process, such as job-related skills, experience, and relevant education or training. We encourage you to talk with your recruiter to learn more about the total compensation and benefits available for this role.

Work Arrangement

Turo highly values having employees working in-office to foster a collaborative work environment and company culture. This role will be in-office on a hybrid schedule — Turists will be expected to work in the office 3 days per week on Mondays, Wednesdays, and Thursdays. Your recruiter can share more information about the various in-office perks Turo offers.

Turo Recruiting Scam Alert

We’ve learned that there are scammers targeting job candidates by impersonating Turo and its employees. We ask candidates to be careful of fraudulent job postings or suspicious recruiting activity during their job search, especially if they’re contacted through unofficial channels (such as Instagram, Telegram, MS Teams, etc.). In general, Turo interacts with candidates through our Careers page and via turo.com email addresses, and we don’t ask candidates for sensitive financial or personal info or request money as part of the hiring process (so an application fee or equipment costs). If candidates are not sure whether they’re dealing with an impersonator, they can contact Turo’s Recruiting Team at recruit@turo.com. Candidates can also report suspicious activity to the FTC or other appropriate authorities.

Turo AI Policy

Turo may use AI-enabled tools to support our recruiting operations, including gathering information from candidates, drafting communications, helping with interview note-taking and assessment, and so on. These tools only supplement our team; all decisions to advance or hire candidates are made by Turo employees. While we welcome candidates to use AI-enabled tools to help prepare for their interviews, the use of such tools, including any AI chatbots or note-takers, is not permitted during live interviews or technical assessments. We want to see how you consider and solve problems in real-time, so interviews and assessments are all you (unless we indicate otherwise and ask you specifically to use an AI-enabled tool to answer a question). If during the application process you require the use of an AI-enabled tool as a reasonable accommodation for a disability, please let us know at PeopleOps@turo.com.

Benefits

- Competitive salary, equity, benefits, and perks for all full-time employees
- Employer-paid medical, dental, and vision insurance (Country specific)
- Retirement employer match
- Learning & Development stipend to invest in your professional development
- Turo host matching program
- Turo travel credit
- Cell phone and internet stipend
- Paid time off to relax and recharge
- Paid holidays, volunteer time off, and parental leave
- For those who are in the office full-time or hybrid we have in-office lunch, office snacks, and fun activities

We are committed to building a diverse team. If you are from a background that's underrepresented in tech, we'd love to meet you. Aside from an award-winning work environment and the opportunity to be part of the world’s largest car sharing marketplace, we are also growing the team quickly — join us! Even if you don't meet every qualification, we are looking for people with enthusiasm for what we do and we will consider you for this and other possibilities.

About Turo

Turo is the world’s largest car sharing marketplace where you can book the perfect car for wherever you’re going from a vibrant community of trusted hosts across the US, UK, Canada, Australia, and France. Whether you're flying in from afar or looking for a car down the street, searching for a rugged truck or something smooth and swanky, Turo puts you in the driver's seat of an extraordinary selection of cars shared by local hosts. Discover Turo at https://turo.com, the App Store, and Google Play, and check out our blog, Field Notes. Read more about the Turo culture according to Turo CEO, Andre Haddad.

Turo is an Equal Opportunity Employer and a participant in the U.S. Federal E-Verify program. Women, minorities, individuals with disabilities and protected veterans are encouraged to apply. We welcome people of different backgrounds, experiences, abilities and perspectives. Turo will consider qualified applicants with criminal histories in a manner consistent with the San Francisco Fair Chance Ordinance, as applicable. We welcome candidates with physical, mental, and/or neurological disabilities. If you require assistance applying for an open position, or need accommodation during the recruiting process due to a disability, please submit a request to People Operations by emailing PeopleOps@turo.com.