Fraud Strategy Decision Scientist

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  Fraud Strategy Decision Scientist  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 Decision Scientist 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

• 7–10+ 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.

Navan uses AI-assisted Automated Employment Decision Tool (Metaview) to assist with evaluating resumes against job qualifications for this role. All final decisions are made by human recruiters and hiring managers.

Human oversight:   Metaview does not automatically reject candidates or make final hiring decisions. Our recruiters and hiring managers review all outputs and make the final hiring decision regarding every application.

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