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Risk Operations Associate

Ethos Life

Ethos Life

Bengaluru, Karnataka, India
Posted on Wednesday, April 3, 2024

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

About the Role

We are looking for someone passionate about fighting insurance fraud and risk, is naturally curious, and has a strong desire to network with peers and partners within the insurance risk space. You will be responsible for conducting account investigations, making account-level judgements, and providing support for special handling of risk scenarios. You will be confident in looking through data, assessing various indicators, and making judgements on your findings.

The right candidate for this role will ideally have some experience in fraud, preferably within e-commerce or payments or insurance, and possess a basic understanding of risk management or fraud prevention and controls.

Duties and Responsibilities:

  • Investigate accounts to identify fraudulent insurance agents, customer accounts, payment risk, and other fraud vectors
  • Conduct investigations on customer accounts to support insurance partner requirements
  • Assess risk factors and trends of potential fraudulent activity
  • Help maintain fraud detection strategies and business rules that balance fraud loss and customer experience
  • Contribute to root cause analysis to identify opportunities to predict, prevent, and mitigate risk within process and performance
  • Participate in bi-weekly, monthly and quarterly business reviews for the broader risk management team

Qualifications and Skills:

  • Some experience in fraud analysis, fraud investigations, or fraud operations
  • Experience using data to make assessments/judgements
  • A growth mindset, curiosity to learn and a team-focused mentality with effective problem solving skills
  • The ability to approach challenges from a user perspective while being pragmatic & solutions oriented
  • Fraud experience in payments, e-commerce, fintech or insurtech mitigating financial or insurance risk and/or fraud
  • Knowledge of ecommerce or payment or insurance fraud schemes, fraud prevention methods, and fraud detection tools
  • Prior fraud experience across multiple industries/verticals
  • Experience in a high growth technology company
  • Experience working from a queue



Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.