---
title: 'Senior Fraud & KYC Specialist at Zed'
canonical: 'https://feeny.ai/job/senior-fraud-kyc-specialist-zed-manila-76w73c58w9qr'
type: 'job'
last_seen: '2026-11-09'
---

# Senior Fraud & KYC Specialist at Zed

- **Company:** Zed
- **Location:** Manila, Philippines
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-11-04
- **Last confirmed live:** 2026-11-09
- **Apply:** https://jobs.ashbyhq.com/zedfinancial/91f29636-0e00-4a91-9e47-6d6537badae9

## Job description

## About Zed

Zed is building the first AI-native, licensed neobank in the Philippines designed to democratize access to premium financial services for young professionals in global markets. The current banking system is broken, often shutting out the world’s youngest and fastest-growing consumer classes—we’re here to fix it. Our team is uniquely positioned to solve this. We are Stanford engineers and former YC founders who have spent our careers at the intersection of banking and hyper-growth startups like Square, Facebook, and Box. We’ve been here before, having previously built and exited Symple (YC W'17), a fast-growing B2B payments company. We are backed by world-class investors, including Accel, Valar, Immad Akhund (Mercury), Dalton Caldwell (Y Combinator), and Kunal Shah (Cred).

## The Role

Zed is hiring a Senior Fraud & KYC Specialist to help protect our cardholders and business, from customer onboarding through everyday card use. You’ll review identity-verification results, monitor suspicious activity, investigate potential card fraud, and improve the rules and processes we use to detect and prevent it. This is a hands-on individual contributor role combining daily reviews and investigations with ongoing improvements to fraud controls. You’ll work with our Card Operations and Compliance teams, processor, and verification and fraud-prevention vendors to identify risks and reduce unnecessary friction for legitimate customers. The role is primarily back-office, with limited direct customer contact. Our Disputes & Declines Specialist manages cardholder communication and chargeback processing; you investigate suspected fraud and provide clear findings and guidance to support case resolution.

## What You’ll Do

- Review customer onboarding: Assess identity documents, liveness and selfie checks, and sanctions and politically exposed person screening results. Identify inconsistencies and request additional verification where needed.
- Identify onboarding risks: Look for signs of synthetic identities, altered documents, and potential mule accounts. Escalate high-risk applications and carry out enhanced due diligence in line with company policy.
- Monitor suspicious activity: Review daily fraud alerts using processor data and monitoring tools. Take or recommend action on cards and accounts within established policies and approval limits.
- Investigate card fraud: Investigate alerts and cases referred by the Disputes & Declines Specialist using authorization, clearing, and other available records. Document the evidence, conclusions, and recommended next steps.
- Improve fraud detection: Identify emerging patterns, evaluate rule performance, and work with relevant teams and vendors to tune rules and thresholds through the agreed approval process.
- Support Compliance: Prepare investigation records and supporting case files for Compliance’s assessment and regulatory reporting.
- Work with vendors: Monitor the performance of identity-verification and fraud-prevention providers, investigate issues, and coordinate improvements.
- Report on outcomes: Prepare weekly and monthly reporting on fraud losses, alert volumes, false positives, and KYC outcomes. Explain the patterns and recommend practical actions.
- Maintain procedures: Keep fraud and KYC procedures current as tools, threats, and requirements change, coordinating with Compliance where appropriate.

## What You Bring

- Bachelor’s degree in any field, with a strong academic background.
- At least five years of relevant experience in financial services, including hands-on card-fraud investigation and transaction monitoring.
- Experience reviewing KYC and customer due diligence during onboarding.
- Proven ability to interpret card authorization and clearing data, investigate suspicious transactions, and document clear conclusions.
- Working knowledge of Philippine AML/CTF requirements, customer due diligence, and suspicious transaction reporting.
- Experience setting or tuning fraud rules, thresholds, or monitoring scenarios.
- Strong analytical skills, including Excel or Google Sheets for investigation and reporting.
- Sound judgment: you can act independently within established policies and recognize when a case requires escalation.
- Clear written communication and careful handling of confidential customer and financial information.
- Comfort learning and using approved AI tools to support analysis, documentation, and process improvement while protecting customer information and applying independent judgment.

Helpful, but Not Required

- Experience working directly with e-KYC, identity-verification, or fraud-prevention vendors.
- Familiarity with multiple card management or fraud-monitoring platforms.
- SQL skills or experience using data-analysis tools to investigate fraud patterns.
- Experience writing operational procedures.
- Experience in a startup or growing fintech.

We hire exceptional people from diverse backgrounds because different perspectives build better products. If you’re excited about this role but don’t check every box, apply anyway. We value potential, ownership, and alignment with our values more than perfect résumés. We are an equal opportunity employer and do not discriminate based on legally protected characteristics. We provide reasonable accommodations throughout the hiring process. Compensation includes salary, equity, and benefits. Final offers are based on role scope, location, and experience.

## About Zed

## Company Overview
- **One-liner**: Zed builds a modern, AI-powered credit card and financial platform designed for young professionals in Southeast Asia, offering no-interest credit, unlimited virtual cards, and transparent fees.
- **Entity Type**: Private (Series A; total funding $22.5M)
- **Headquarters**: San Francisco, California, United States (with operations in Manila, Philippines)
- **Founded**: Year not publicly stated; launched in Philippines in 2024
- **Founders**: Steve Abraham (Co-founder) & Danielle Cojuangco Abraham (Co-founder & Co-CEO)

## Core Business
- **Primary industry**: Financial Services (Consumer Fintech)
- **Target customers**: B2C; specifically young, college-educated professionals in Southeast Asia (Generation Z and Millennials) who are underserved by traditional credit systems.
- **Mission statement**: "To build a bank for the next generation that feels like a great private banker," unlocking wealth creation for young people by democratizing access to responsible credit.

## Products & Services
- **[Zed Credit Card]**: A premium Titanium Mastercard with no interest, no foreign transaction fees, and unlimited virtual cards. Features include a data-driven application process that uses AI to underwrite creditworthiness from non-traditional data (transaction data, financial documents), flexible installment plans, instant card locking, and single-use virtual cards for online security. Type: Fintech product (credit card + mobile app).

## Market Standing
- **Valuation**: Not disclosed
- **Key Metric**: Total funding of **$22.5M** (Seed: $6M led by Valar Ventures; Series A: $16.5M led by Accel). Waitlist has nearly **200,000 sign-ups**; customer base has **grown by 10x** and monthly Gross Merchandise Value (spend) has grown by **~500%** since the beginning of 2025.
- **Notable Investors/Partners**: Accel, Valar Ventures, Immad Akhund (CEO of Mercury), Dalton Caldwell (former Y Combinator). Issued in partnership with Mastercard. Regulated by the Philippine Central Bank (BSP).
- **Growth Signals**: Rapid growth in user base and transaction volume; Series A round led by top-tier VC Accel; strong word-of-mouth waitlist; expansion of an AI-driven underwriting model targeting a massive underserved market (200M+ college-educated young professionals in emerging Asia). The team has grown **+35% YoY** (13 employees).

## Competitive Advantages
- **AI-native underwriting**: Uses foundational models to assess creditworthiness from alternative data (transaction history, financial documents) rather than relying on thin or nonexistent traditional credit bureau files. This unlocks credit for a huge "unscoreable" demographic.
- **Bespoke product for a generation**: The card is designed specifically for the spending habits of young Southeast Asians (travel, online shopping, peer-to-peer payments) with features like no foreign transaction fees and unlimited virtual cards.
- **Founder-market fit & licensing**: Founded by Stanford-educated engineers with deep fintech expertise (Symple, Y Combinator, Box) and local market knowledge. The company holds a financial institution license from the BSP, a significant regulatory moat.
- **Purpose-built tech stack**: Building a modern bank from scratch, free from legacy infrastructure, allowing for AI-driven, safety-critical consumer systems and multi-currency payments.

## Strategic Focus
- **Expand AI-driven credit products**: The current underwriting model is just the first application; the company plans to leverage proprietary AI models to build a wider suite of banking services for its target demographic.
- **Scale in Southeast Asia**: Currently focused on the Philippines as a beachhead market, with a long-term goal of serving young consumers across the region and globally.
- **Hire for product & engineering**: Actively recruiting product-minded engineers, designers, data scientists, and operations staff to build the core platform.
- **Key priorities**: Real-time credit decisioning with sparse data, building safety-critical consumer systems, multi-currency payments, and AI-driven customer experiences.

## Why Work Here
- **High-impact mission**: Opportunity to build a fundamental piece of financial infrastructure for a generation of 200M+ underserved young professionals in Asia.
- **Talent & culture**: The team is described as "ambitious" and "radically honest," composed of Stanford engineers and veterans from Square, Google, Stripe, Facebook, and Box. The environment is "people-first" and focused on technical excellence.
- **Work model**: Hybrid/Office for different teams. Product, Design, and Engineering teams are headquartered in **San Francisco**, while Operations and Risk are based in **Manila**.
- **Backing and stability**: Backed by top-tier investors (Accel, Valar) and key fintech leaders, providing strong financial runway and strategic guidance.
- **Cutting-edge work**: Engineers work on hard problems like AI underwriting, real-time credit, and multi-currency payments with the latest tools (foundational models, agent infrastructure).

## Sources
1. [zed.co](https://www.zed.co/)
2. [LinkedIn - Zed](https://www.linkedin.com/company/zedfinancial)
3. [Zed - Series A Announcement](https://www.zed.co/announcement-series-a/)
4. [Zed - Company Page](https://www.zed.co/company/)
5. [Zed - Careers Page](https://jobs.ashbyhq.com/zedfinancial)
6. [Zed - Card Page](https://www.zed.co/)

## Other roles at Zed

- [Card Operations Specialist - Disputes & Authorizations](https://feeny.ai/job/card-operations-specialist-disputes-authorizations-zed-manila-mpwkmh7abmgr) — Manila, Philippines
- [Card Fulfillment Associate](https://feeny.ai/job/card-fulfillment-associate-zed-manila-zs7dpx7etgct) — Manila, Philippines
- [Head of Strategic Finance & Planning](https://feeny.ai/job/head-of-strategic-finance-planning-zed-san-francisco-2cmemevspz5v) — San Francisco, CA
- [Lead Product Designer](https://feeny.ai/job/lead-product-designer-zed-san-francisco-bc3vavgakga1) — San Francisco, CA
- [Partnerships Lead](https://feeny.ai/job/partnerships-lead-zed-manila-zwf9wkssaxth) — Manila, Philippines
- [Senior ML Data Scientist (Credit Risk)](https://feeny.ai/job/senior-ml-data-scientist-credit-risk-zed-san-francisco-5ajvgnd0y8s6) — San Francisco, CA
- [AI Engineer, Agent Infrastructure](https://feeny.ai/job/ai-engineer-agent-infrastructure-zed-san-francisco-7vmbp3jws5x3) — San Francisco, CA
- [Product Engineer](https://feeny.ai/job/product-engineer-zed-san-francisco-68gj119nab78) — San Francisco, CA
- [Data Scientist](https://feeny.ai/job/data-scientist-zed-manila-y8xamvdpgzgn) — Manila, Philippines