Fraud Strategy Specialist – Payment Risk

• Own fraud performance for payment instruments and rails
• Diagnose root mechanisms behind material fraud vectors and design high-leverage controls
• Optimize friction using 3DS/SCA, holds, paused payments, dynamic friction, and product/UX changes
• Partner with Product and Engineering to embed fraud controls into payment and money-movement experiences
• Apply expertise in card authorization, 3DS/SCA, ACH return codes and NACHA mechanics, settlement timing, tokenized wallets, and chargeback reason codes
• Design and run A/B tests to validate controls and quantify conversion and customer-experience costs
• Conduct deep-dive analyses of payment fraud schemes, organized fraud operations, and emerging threats
• Partner with Data Science on payment fraud models, vectors, and feature engineering
• Author and maintain decisioning logic in Sardine/Oscilar and retire overlapping or underperforming rules

• Bachelor's degree in a quantitative or related field (Math, Economics, CS, Statistics, Data Science) — or equivalent practical experience
• 4–6 years in fraud / payment risk, with demonstrated depth in payment-instrument and rail mechanics
• Strong working knowledge of 3DS / step-up authentication
• Deep knowledge of payment systems and fraud surfaces: cards, ACH (return codes, NACHA), wires, settlement timing, tokenized wallets, and chargeback mechanics
• Proven ability to reduce fraud through product and action design, not only rule-writing
• Advanced SQL and Python, with the ability to work with large datasets and run complex analysis independently
• Experience designing and reading experiments (A/B testing)
• Understanding of machine-learning concepts and their application to fraud detection
• Experience with BI tools (Looker, Tableau, or similar)
• Strong communication skills for technical and non-technical audiences
• Advanced English
• Strong analytical curiosity to go deep into the data to find fraudsters
• Equivalent competencies in the listed areas will also be considered

• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Work model: currently fully remote, with a future transition to a hybrid set up
• Empowering opportunities for growth in a dynamic entrepreneurial environment