What you will do In this position, you will strengthen Klarna’s Operational Risk team by leading data-driven fraud risk management across our global product portfolio. The role involves conducting in-depth analysis of structured and unstructured data to monitor fraud risk performance, identify emerging trends, and deliver actionable insights. It also includes performing independent control testing and process reviews to assess the adequacy and effectiveness of fraud prevention and detection measures in the first line of defense. Additional responsibilities include independent consumer sample testing, analysing structured and unstructured data, and evaluating policies, rules, and logic to detect emerging fraud patterns, and collaborating closely with teams across fraud strategy, engineering, data science, and customer service to enhance controls and support regulatory reporting. The role also partners with first line of defense stakeholders, contributes to continuous improvements in the fraud risk framework, and ensures Klarna stays ahead of evolving market trends and external fraud vectors. Who you are

Minimum 5 years of experience in fintech, banking, or consulting with a focus on fraud and risk management Proven experience performing independent data analysis and leading fraud risk initiatives Strong expertise in fraud risk management, data analysis, and interpretation of complex datasets Experience conducting independent control testing and process reviews Proficiency in regulatory compliance and preparation of risk reporting Excellent communication and stakeholder management skills Bachelor’s degree in Finance, Risk Management, Data Science, or a related field

Awesome to have

Certified Fraud Examiner (CFE), CRCMP, or similar professional certifications Experience working with machine learning models or fraud detection algorithms Background in consumer lending or card fraud risk management Ability to develop solutions to complex problems while navigating business constraints Experience working in rapidly changing fraud environments or high-growth financial technology settings

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