Lead, Fraud Strategy
Navan
Navan is expanding its Fraud Risk Management organization to build world-class fraud prevention and detection capabilities across our travel and expense platforms. We are seeking a Lead, Fraud Strategy to lead data-driven fraud strategy initiatives focused on machine learning features, rules development, and scalable fraud controls. This role is ideal for a fraud strategy who blends strong data science intuition with practical fraud rule design, understands how models and rules work together in production, and can partner deeply with Product, Engineering, and Fraud Operations to reduce fraud losses while enabling business growth. You will play a critical role in shaping Navan’s end-to-end fraud strategy, translating advanced analytics and ML outputs into actionable rules, thresholds, workflows, and policy decisions across expense card issuing, payments, onboarding, and travel fraud.
What You’ll Do
- Own and drive fraud strategy for key risk areas across travel and expense, balancing fraud loss reduction with customer experience.
- Design and evolve fraud rules, thresholds, and decision workflows, informed by data science models, ML features, and investigative insights.
- Partner closely with Data Science teams to translate machine learning model outputs and features into effective, explainable fraud strategies.
- Lead strategy development across onboarding, payments, expense submissions, and transaction monitoring.
- Apply advanced analytics techniques (trend analysis, segmentation, clustering, network analysis) to identify emerging fraud patterns and control gaps.
- Perform root-cause analysis and loss attribution, quantifying financial impact and prioritizing strategy improvements.
- Own strategy performance metrics, including fraud loss, approval rates, false positives, and customer friction.
- Collaborate cross-functionally with Fraud Operations to ensure strategies are operationally executable and continuously optimized.
- Partner with Engineering and Product to implement fraud strategies into real-time and batch decisioning systems.
- Drive experimentation and A/B testing of rules, thresholds, and model-driven strategies.
- Contribute to the long-term fraud strategy roadmap, including tooling, rule engines, model integration, and automation.
- Support vendor evaluations and third-party data integrations to enhance detection signals.
- Mentor junior fraud strategists and analysts, setting best practices for strategy design, documentation, and governance.
What We’re Looking For
- 5+ years of experience in fraud strategy, fraud analytics, or financial crime risk management.
- Strong experience designing and managing fraud rules, policies, and decision strategies in production environments.
- Deep understanding of how machine learning models and features are used to inform fraud decisions.
- Proficiency in SQL and strong working knowledge of Python for analysis and strategy validation.
- Experience working with large-scale data platforms such as Snowflake, Databricks, Spark, or similar.
- Solid understanding of card payments, transaction flows, identity verification, and fraud typologies (ATO, synthetic identity, first-party fraud, third-party fraud, scams).
- Demonstrated ability to partner effectively with Data Science, Engineering, Product, and Fraud Operations teams.
- Strong analytical mindset with the ability to translate complex data into clear, actionable strategy decisions.
- Excellent communication skills, including presenting strategy recommendations to senior leadership.
- Experience in fintech, payments, travel, or e-commerce environments preferred.
- Bachelor’s degree in a quantitative or analytical field; Master’s degree preferred.
About Navan
Navan (Nasdaq: NAVN) is the leading all-in-one business travel, payments, and expense management platform that makes travel easy for frequent travelers. From finding flights and hotels to automating expense reconciliation, with 24/7 support along the way, Navan delivers an intuitive experience travelers love and finance teams rely on. See how Navan customers benefit and learn more at navan.com.
Culture of Excellence
Our team is our competitive edge — a high-performance group of smart, driven people committed to winning together. This dedication to excellence is why we’ve been recognized as a Best Place to Work by Built In (2023–2026), a G2 Best Global Software Company (2025-2026), a CNBC Disruptor 50 (2022-2025), and a Forbes Fintech 50 (2022-2025). At Navan, we provide an environment where top talent excels, offering the autonomy and fast-paced trajectory needed to build a defining career and do the best work of your life.
Our Benefits
Navan offers a comprehensive benefits program designed to support your well-being, financial security, and life outside of work. Our benefits, thoughtfully tailored by country to meet local needs, include healthcare coverage, insurance offerings, and wellness resources for you and your family.
We support long-term financial growth through retirement savings programs and opportunities to participate in our equity plans, so you can share in Navan’s success. To promote balance, we offer flexible time off, country-specific holidays, and paid parental leave for all new parents. Additional benefits include connectivity and commuting support, mental health resources, and exclusive travel-related perks. Wherever you’re based, our benefits evolve with you.
Workplace Policy
Navan believes in the value of in-person connections, whether that’s sitting down to have lunch with one another, taking a walking 1:1, or collaborating in a room together. The connections forged through face-to-face interactions improve company culture and drive business results. Navan invests in global office spaces — in the U.S., Europe, and Asia, among others — that feel welcoming. In-office perks such as company-provided lunches and happy hours create a strong team environment to help you do your best work. Our employees work from the office four days a week. Please expect this policy for all roles that are tied to an office.
Equal Opportunity
Navan is an equal opportunity employer. We make all employment decisions based solely on merit. We provide equal employment opportunity to all applicants and employees without discrimination on the bases of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics. We prohibit any such discrimination or harassment. This policy applies to all terms and conditions of employment, including hiring.
Accommodations
Navan complies with the Americans with Disabilities Act (ADA), as amended by the ADA Amendments Act, and all applicable state or local law. Navan will reasonably accommodate qualified individuals with a disability in connection with applications for employment as required by law.
If you need any assistance or accommodations due to a disability, you are welcome to email us at [email protected].
Candidate Privacy Notice
Please review Navan's Candidate Privacy Notice here.
Job Search Best Practices
We have been made aware of recruitment scams involving fraudulent attempts to lure job seekers into sending money or personal information in return for fake job offers or coerce them into purchasing equipment by electronic funds transfer (Zelle, Venmo, etc.) Legitimate Navan recruiters will never ask for money in any recruitment or onboarding activities. All available job openings at Navan will be posted on Navan’s website and all Navan recruiters will be reachable through an email address ending in “@navan.com” or “@navan.tech” or "@talent.navan.com".