Team Lead, Transaction Risk & Recoveries
About this role
About Bluevine
Bluevine is the largest small business banking platform in the U.S., redefining how entrepreneurs manage their money. We create modern financial solutions, from checking and lending to payments and beyond, designed to help small business owners grow, thrive, and take control of their financial future. Our best-in-class technology, advanced security, and deep understanding of the small business community give our customers the confidence to focus on what they do best.
Since 2013, we’ve supported more than 750,000 small businesses nationwide. Backed by leading investors like Lightspeed Venture Partners, Menlo Ventures, 83North, and Citi Ventures, our 500+ person global team shares one mission: to give small businesses the financial tools they need to succeed.
We’re innovators driven by big ideas, collaboration, and real impact. Here, you’ll have the freedom to take ownership, grow your career, and make a difference for small business owners across America. Ready to shape what’s next?
About the Role
As a Team Lead, Transaction Risk & Recoveries at Bluevine, you will support day-to-day transaction monitoring and recovery efforts while guiding analysts through complex fraud investigations. This role combines hands-on investigative work with team support, helping ensure consistent execution, strong risk awareness, and timely resolution of cases. You will play a key role in strengthening risk controls and helping the company effectively manage complex and high-risk cases.
What You'll Do
- Lead and support the team in reviewing, analyzing, and resolving system-generated transaction monitoring alerts across all transaction types (wire, ACH, check, etc.)
- Provide guidance on complex cases, helping analysts identify fraud trends, anomalies, and high-risk activity across alerts and transaction data
- Manage and document suspicious activity cases, ensuring findings are accurate, complete, and maintained to a high standard
- Ensure compliance with applicable laws, regulations, internal policies, and industry best practices, including NACHA requirements
- Support transaction monitoring controls, risk assessments, and mitigation strategies to reduce exposure
- Partner with the appropriate teams to investigate suspicious activity and support fraud prevention efforts
- Review and respond to external fraud requests and inquiries received from financial partners
- Maintain SLAs and deadlines while helping the team prioritize work effectively
- Collaborate cross-functionally with Product, Account Risk, and Customer Service to balance customer experience with risk mitigation
- Lead recovery efforts and strategies, including working closely with partner banks to identify optimal recovery paths (i.e. indemnification processes, recalls, customer repayments) and mitigate fraud-related losses
- Build and maintain strong relationships with financial partners to improve recovery outcomes and streamline resolution processes
- Support the team in documenting recovery cases and evidence for disputes, indemnification, and potential legal actions
- Step in to assist analysts, review escalations, and provide coaching when needed to support team performance and development
What We Look For
- Bachelor’s degree in Business, Finance, Economics, or related fields
- 5+ years of experience analyzing fraud trends, preferably in a financial institution or fintech
- Previous transaction monitoring experience around credit, debit, checks, online, wire, and/or ACH is preferred
- Ability to effectively gather and analyze information in the course of investigations and reviews
- A team player who is able to work on a variety of projects simultaneously
- Proficiently uses Excel to create spreadsheets, models, and reports
- Able to clearly and effectively communicate verbally and in writing
- Applicants must be currently authorized to work in the United States on a full-time basis
New Hire Base Salary Range: $72,100 - $80,000
At Bluevine, we recognize the importance of fair and competitive compensation. Exact compensation may vary based on a variety of factors, including your experience, skills, and qualifications, as well as market trends.
Benefits & Perks (US Based ONLY)
- Excellent health coverage and life insurance benefits
- 401K with an immediate 3% company match
- PTO, Company Holidays, and Flexible Holidays
- Company-sponsored Mental Health Benefits, including 1:1 therapy
- Over $1,000 each year to spend on your personal wellness
- Monthly WFH stipends totaling over $1,000 annually
- Generous, paid parental leave covering up to 20 weeks of leave for birthing parents and up to 12 weeks of leave for all other parents
- Access to financial coaches and education sessions
- Weekly catered lunches and fully stocked kitchen pantries
- Community-based volunteering opportunities
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