---
title: 'Senior Fraud Strategy Analyst at Mudflap'
canonical: 'https://feeny.ai/job/senior-fraud-strategy-analyst-mudflap-austin-dvm8820gj2hc'
type: 'job'
last_seen: '2026-10-20'
---

# Senior Fraud Strategy Analyst at Mudflap

- **Company:** Mudflap
- **Location:** Austin, TX
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-10-06
- **Last confirmed live:** 2026-10-20
- **Apply:** https://jobs.ashbyhq.com/mudflap/11329e77-cd08-4640-8fd0-80db41d13d73

## Job description

At Mudflap, we're modernizing the $1 trillion trucking industry, the backbone of the U.S. economy. By helping over 100,000 underserved small businesses save over $1.5 billion on fuel, Mudflap has quickly grown into a profitable fintech platform that processes billions in annual payment volume.

As a Senior Fraud Strategy Analyst, you will help shape Mudflap’s fraud strategy as we scale our payments platform and expand into new products and payment rails. You’ll combine deep analytics, strong fraud intuition, and cross-functional leadership to identify emerging threats, design effective controls, and balance loss prevention with customer experience and growth. This is a highly visible role for someone who wants to move beyond investigating individual cases and build the systems, strategies, and analytical frameworks that determine how a growing fintech manages fraud at scale.

Work Location: We value in-person connection and have offices in both Palo Alto, CA and Austin, TX. While we prefer candidates located in these hubs for occasional meetings and team collaboration, we are open to remote team members who can travel periodically if needed.

To support our team, we offer:

- Commuter benefits to ease your travel
- Lunches and snacks to keep you fueled
- A collaborative, high-growth environment where you’ll work closely with talented teammates across the company

Expectations (In this role, you will):

- Own and evolve fraud strategies across Mudflap’s payments products, including fleet card and legacy payment products
- Identify emerging fraud patterns and translate insights into scalable rules, controls, and policies
- Partner with Data Science to develop, evaluate, and improve fraud detection models
- Use SQL, Python, and advanced analytics to uncover fraud trends, vulnerabilities, and opportunities
- Define fraud KPIs, loss thresholds, and monitoring frameworks tied to risk appetite and unit economics
- Build dashboards and reporting that surface emerging risks and measure strategy effectiveness
- Partner with Product and Engineering to embed fraud controls into new products and customer experiences
- Evaluate and implement third-party fraud tools, data sources, and detection capabilities
- Develop fraud strategies that enable safe expansion into new payment rails, including ACH
- Balance fraud prevention, customer friction, growth, and profitability as Mudflap scales

Experience (What we look for):

- 5+ years of experience in fraud strategy, risk, or payments, ideally within fintech or a high-volume payments business
- Hands-on experience developing and optimizing fraud strategies, including rules, controls, monitoring, and loss management
- Strong analytical skills with advanced SQL; proficiency with Python and spreadsheets preferred
- Experience analyzing transaction data to identify fraud patterns, vulnerabilities, and root causes
- Strong judgment balancing fraud loss, customer friction, growth, and profitability
- Experience partnering with Data Science, Product, Engineering, and Operations to implement fraud solutions
- Familiarity with card payments, ACH, digital payments, or other complex payment ecosystems
- Ability to turn ambiguous data into clear recommendations and action
- High ownership, curiosity, and comfort operating in a fast-changing environment

Perks and Benefits (What we offer):

- Competitive salary and equity in a high-growth startup
- Multiple health benefit options
- Responsible Time Off
- 401(k) matching
- Opportunities and support for major career growth
- Annual Company offsite event (Mudfest!)

The base salary range for this role is $135,000 - $185,000. This information reflects a base salary range for this position based on current market data, which may be subject to change as new market data becomes available. The candidate’s skills, experience, and other relevant factors will determine the exact compensation.

Company Overview (Who we are): Mudflap is on a mission to transform the trucking and logistics industry by leveling the playing field for owner operators and small fleets. Backed by top-tier venture investors, including QED, Matrix Partners, Commerce Ventures, NFX, and 500 Startups and included in the Forbes Fintech 50 list, Mudflap offers fleet fuel management solutions. Our core team hails from Disney, Uber, Procore, DoorDash, Google, Meta, Capital One, Affirm and Brex.

Here are the core values that we believe in and look for in new teammates:

- Be Customer Obsessed: We deeply understand customer needs and put our customers at the center of everything we do
- Make it Count: Act like an owner by focusing on the impact of your work
- Find a Way: Be a creative problem solver who pushes past roadblocks to win for our customers and our teammates
- Sweat the Details: We keep our standards high and achieve them by paying attention to every detail
- Be Curious: Use a growth mindset to question assumptions, take calculated risks and stretch the boundaries of what’s possible

## About Mudflap

## Company Overview
- **One-liner**: Mudflap provides a mobile app and fuel card that gives truck drivers and fleets instant discounts on diesel at thousands of truck stops across the United States.
- **Entity Type**: Private (venture-backed, Series B)
- **Headquarters**: Palo Alto, California, United States
- **Founded**: 2020 (company site states "Since 2020"; PitchBook lists 2016 as founding year – conflicting reports)
- **Founders**: Not publicly available

## Core Business
- **Primary industry**: Transportation / Trucking / Railroad; logistics and fuel payments.
- **Target customers**: Owner-operators, small to mid-size fleets (B2B), and individual truck drivers (B2C). Also serves truck stop merchants.
- **Mission or purpose**: Help truckers save on fuel costs through deep discounts and a modern, easy-to-use platform, especially during volatile fuel price and freight rate environments [mudflapinc.com](https://www.mudflapinc.com/).

## Products & Services
- **Mudflap App**: Free mobile app (iOS/Android) that provides instant diesel discounts at 3,600+ in-network truck stops. Includes truck-safe GPS navigation. Drivers can use their existing debit or credit card to save.
- **Mudflap Card (Visa Fleet Card)**: A physical and virtual Visa card issued by Celtic Bank or Community Federal Savings Bank. Offers discounts at 70,000+ fuel stops nationwide, plus credit terms, spend controls, and fraud prevention for fleets. Requires credit approval.
- **Merchant Dashboard**: A platform for truck stop operators to manage their participation in the Mudflap discount network.

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private company).
- **Key Metric**: Total funding of **$50 million** (Series B led by QED and 9Yards Capital in August 2022). Over **$1 billion saved** by Mudflap drivers. More than **515,000 drivers** use the platform.
- **Notable Investors / Partners**: QED, 9Yards Capital, Matrix Partners, Commerce Ventures, Ascend Vietnam Ventures. Issuing banks: Celtic Bank, Community Federal Savings Bank. Visa network partner.
- **Growth Signals**: Headcount grew ~10% year-over-year (LinkedIn reports 125 employees; PitchBook reports 157 – conflicting data). Active job postings increased 220% year-over-year (16 open roles). Monthly web traffic up 43%. The network expanded to 70,000+ fuel stops for the Mudflap Card.

## Competitive Advantages
- **Network depth**: Exclusive partnerships with independent truck stops and regional groups, not just major chains, enabling discounts up to $1.00/gallon.
- **Dual approach**: App for instant savings without a card, plus a Visa fleet card for credit and broader acceptance – covers both owner-operators and fleets.
- **Customer loyalty**: 94% of owner-operators and fleets would recommend Mudflap (2023 customer satisfaction survey).
- **Tech stack**: Modern SaaS/Fintech infrastructure (Snowflake, Stripe, Braze, dbt, etc.) allowing rapid iteration and data-driven discount optimization.

## Strategic Focus
- **Card adoption & fraud prevention**: Expanding the Mudflap Card program with credit terms, spend controls, and fraud detection to capture fleet customers.
- **Network growth**: Adding more truck stops and fuel locations to increase discount density.
- **Product expansion**: Building out risk, payments, and growth teams (evidenced by open roles for Senior PMs in Risk, Payments, and Growth).
- **Data & personalization**: Using data science to tailor discounts and improve driver experience.

## Why Work Here
- **Remote-first culture**: 100% remote roles, "Responsible Time Off" (unlimited PTO), work-from-home stipend, and annual company offsite ("Mudfest") to build connection [builtin.com](https://builtin.com/company/mudflap/faq/workplace-perception).
- **Benefits**: Health coverage, 401(k) match, equity, and equipment support.
- **Engineering culture**: Modern tech stack, ownership of ambiguous problems, fast iteration in a real-world marketplace with tangible impact on truckers’ livelihoods.
- **Considerations**: 24/7 support model can lead to irregular hours and potential burnout. Frequent leadership and strategy shifts create ambiguity. Best suited for resilient self-starters who thrive in a high-ownership, customer-obsessed environment.

## Sources
1. [mudflapinc.com](https://www.mudflapinc.com/)
2. [linkedin.com](https://www.linkedin.com/company/mudflap)
3. [pitchbook.com](https://pitchbook.com/profiles/company/178717-33)
4. [builtin.com](https://builtin.com/company/mudflap/faq/workplace-perception)
5. [jobs.ashbyhq.com](https://jobs.ashbyhq.com/mudflap)

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