Sr. Data Scientist (Fraud Analyst)

Were seeking a highly analytical proactive Sr. Data Scientist / Fraud Rules & Strategy Analyst to join our fraud-prevention this role you will own the development maintenance and continuous improvement of our fraud rulesets working in an agile manner to respond quickly to evolving fraud patterns. You will also engage external vendors and partners to bring the latest industry intelligence and emerging fraud-strategy thinking into our program. Your technical toolkit (Python SQL Tableau) will ensure data-driven rule design performance monitoring and dashboarding. If you have 3 years of experience in fraud management plus strong analytical and communication skills this is an exciting opportunity to help shape a leading fraud-prevention capability.

Key Responsibilities

• Design implement and maintain the fraud-detection and prevention rulesets across our transaction flows updates made iteratively in an agile fashion (frequent incremental rule releases).
• Monitor rule performance (false-positives false-negatives operational metrics) and adjust rules to optimize detection and minimize business friction.
• Execute ad hoc analysis of fraud trends emerging typologies and rootcause investigations to identify opportunities for new or updated rules.
• Work closely with vendors (fraud-detection/analytics platform providers third-party intelligence services) to incorporate current industry thinking and best practices into our strategy.
• Develop dashboards and reports in Tableau to visualize key fraud metrics rule performance business impact and risk exposure.
• Write SQL queries and Python scripts to interrogate transaction alert and case data; build prototypes of new rules test and deploy them.
• Collaborate cross-functionally with Product Operations and Compliance teams to align fraud-prevention initiatives with business goals and regulatory requirements.
• Participate in sprint planning retrospectives and backlog grooming to ensure fraud-rule work is aligned with the agile roadmap.
• Maintain documentation of rule logic assumptions test results and versioning; ensure auditability and traceability of rule changes.
• Stay apprised of fraud-prevention industry trends vendor technology updates and regulatory developments; provide recommendations to senior leadership for strategy refinement.

Qualifications :

Minimum Qualifications

• Bachelors degree in quantitative discipline (e.g. Computer Science Data Science Finance Economics Mathematics) or equivalent.
• Minimum of 3 years of hands-on experience in fraud detection fraud analytics risk management or a related role (preferably in payments fintech e-commerce or banking).
• High level of proficiency in SQL and Python for data manipulation data interrogation scripting and rule prototyping.
• Proven experience with Tableau (or equivalent business-intelligence tools) to build dashboards and visualizations.
• Experience designing deploying and maintaining fraud-detection rules/rule engines (or equivalent controls) and analyzing the results.
• Experience interacting with vendor solutions engaging external partners or bringing in external intelligence to inform strategy.
• Excellent analytical problem-solving and critical-thinking skills with attention to detail.
• Strong verbal and written communication skills able to translate technical detail into actionable insights for business stakeholders.
• Comfortable working in an agile environment: attending sprint ceremonies prioritizing tasks responding to changing requirements.
• Ability to work independently manage multiple concurrent rule-updates and investigations while balancing business-friction vs risk mitigation trade-offs.

Preferred Qualifications

• Experience in rule-engine platforms specific to fraud (e.g. real-time transaction scoring device/fingerprint anomaly detection).
• Familiarity with account-takeover synthetic identity and first and third party fraud typologies.
• Experience working with vendor-provided fraud intelligence or external data sources (device data IP intelligence user behavior).
• Knowledge of regulatory requirements relevant to fraud prevention (e.g. AML KYC) or internal controls frameworks.
• Experience with machine-learning/advanced analytics used in fraud detection.

Additional Information :

Achieve well-being with:

• Hybrid and remote work opportunities
• 401 (k) with employer match
• Medical dental and vision with HSA and FSA options  
• Competitive vacation and sick time off as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program Talkspace and fitness discounts
• Up to $5250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Note: We will be unable to facilitate H1-B Visa transfer or sponsorship along with STEM-OPT Visa.

Work from home/hybrid:

We are proudly offering hybrid options in the Phoenix AZ and San Francisco CA metro market. We are offering 100% remote work in other approved locations.

Salary Range : $150000 to $185000 salary bonus benefits.

This information represents the expected salary range for this role. Should we decide to make an offer for employment well consider your location experience and other job-related factors.

Join Achieve change the future.

At Achieve were changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth youll get to be a part of their journey to a better financial future. Were proud to have over 3000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona California and Texas. We are strategically growing our teams with more remote work-from-home opportunities every day to better serve our members. A career at Achieve is more than a jobits a place where you can make a true impact have a sense of belonging establish a fulfilling career and put your well-being first.

Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieves Talent Acquisition leader.

Remote Work :

No

Employment Type :

Full-time