Company Description:

- Rally has created the platform and demand for thousands of bus trips across 40 states and provinces with its "bus rideshare." The app aggregates like-minded individuals going to events both small and large, from weddings and corporate outings to arena sports and music festivals. The technology crowdsources bus stops and crowdfunds buses to create on-demand trips.

- By generating new demand for buses with use-case innovations, Rally and their sister company, OurBus, convert billions of dollars spent on cars to shared buses. By doing so, they unlock the value of the industry's idle vehicle capacity, which is a lost opportunity of $5B annually in the US alone and estimated at $35B globally. Having improved bus travel for millions of riders to date, Rally and OurBus united through an acquisition to create the leading technology company for mass mobility in the United States. The companies capture market share by meeting or surpassing the modern consumer's expectations of easy online booking, customer-centric policies, high quality operators, and a technology-oriented approach to the entire customer journey.

- Rally and OurBus have established new consumer brands in busing built for the sharing economy. Together, they provide a single technology platform affecting the private bus industry's 700M annual passenger trips. They empower the 3,000+ small businesses that comprise the US private bus industry. Rally and OurBus products are supported by a more efficient, combined bus operator network of small businesses, to whom they offer a fully operational SaaS infrastructure. They have made a direct impact on the private bus industry by helping operators increase revenues with automation and business model innovations.

Company Website link: https://rally.co

Role Overview:

- We are looking for a Fraud & Risk Manager to lead and scale our risk function across payments, transactions, and customer behavior. This role will be responsible for identifying, preventing, and mitigating fraud, while ensuring minimal impact on genuine customer experience and revenue. The ideal candidate will bring a mix of analytical thinking, operational execution, and system-building capability.

Key Responsibilities:

1. Fraud Detection & Prevention

- Monitor transaction patterns to identify fraud signals and anomalies

- Build and implement fraud detection rules (velocity checks, geo/IP mismatch, device behavior)

- Identify emerging fraud trends (e.g., carding, resale abuse, etc.)

2. Payment Risk Management

- Work closely with payment gateways to: Improve authorization rates & reduce false declines

- Implement controls like-3DS optimization, AVS/CVV checks, Risk-based authentication

3. Chargeback Reduction

- Own and track chargeback rates across channels

- Build strategies to reduce fraud-related disputes & improve win rate on chargebacks

- Create a chargeback response and documentation system

4. Process & System Building

- Design and implement a scalable fraud prevention framework

Evaluate and integrate tools such as:

- Device fingerprinting

- Risk scoring systems

- Build dashboards for:

- Fraud rate

- Approval rates

- Revenue at risk

5. Cross-Functional Collaboration

Work with:

- Marketing - Identify risky traffic sources

- Product/Tech - Implement fraud rules & controls

- Customer Support - Handle fraud cases & escalations

- Finance - Track financial impact

6. Vendor & Gateway Management

- Evaluate and onboard new payment gateways / fraud tools

Maintain relationships with providers like:

- Stripe

- Sift

- Negotiate and optimize for:

- Cost

- Approval rates

- Risk exposure

7. Policy & Compliance

- Define internal policies for transaction limits, Refunds & cancellations, Suspicious activity handling, Payment regulations, Data security practices

Ideal Candidate Profile:

- 3-5+ years' experience in Fraud / Risk / Payments-E-commerce / Travel / Fintech preferred. Comfortable working in US shift -7:30pm-4:30am

- Strong understanding of Payment ecosystems, Card fraud patterns

- Experience working with fraud tools or payment gateways

- Ability to build processes from scratch