Fraud Architect Jobs

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. We are looking for a Staff Engineer to lead projects and initiatives on the Fraud Decisioning team. You’ll be responsible for building tools and systems that empower Affirm fraud fighting capabilities, work with cross-functional teams to adopt and monitor those and use analytics and data driven decisions to further improve the performance and quality of fraud deciders. Our mission is to drive growth while protecting Affirm, buyers, and merchants. We achieve this by leveraging data to evaluate risk at critical points in the user journey, adapting to the ever-changing fraud landscape, and by introducing new fraud-fighting capabilities.. What You’ll Do Work across the org to plan and execute large, cross-functional initiatives, including: project definition, technical specification, task break-down, delivery, monitoring, and maintenance. Generate simple and elegant designs that are easily deployed and debugged, but anticipate the unhappy path. Write high-quality code that can be easily understood and leveraged by others. Review others’ work and provide constructive feedback in order to maintain high and consistent quality standards across teams. Lead and mentor engineers to help them succeed and grow. Provide the right context to engineers and train them to take ownership of their respective pieces of the initiative. Effectively incorporate needs and opinions from stakeholders, advocate for ideas and initiatives, and create a common understanding where all voices are heard. Conduct technical and soft skill evaluations to inform and influence the hiring decisions. Develop and review the technical content and requirements of the interview process. What We Look For 6-10+ years of experience as a software engineer with leadership responsibilities and experience mentoring junior engineers. Pr

Who we are About Stripe Stripe, LLC. is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. What you’ll do Responsibilities Analyze accounts and transactions to identify and predict risky behavior that could result in losses for Stripe or pose challenges to the broader payments ecosystem. Scale risk processes to cover an increasingly large and complex landscape of payments risks and effectively design strategies and solutions that might range from ML model features to manual review workflows. Work with internal partners like Engineering, Product, Data Science and Operations to develop solutions that would mitigate fraud risk across different geographies, payment methods and products. Work with Stripe users to educate them about and help prevent potential risks to their business. Challenge the payments industry status quo to help enable innovative businesses to flourish online. Who you are Minimum requirements Must have a Bachelor's degree or foreign equivalent in Business Administration, Economics, Statistics, Finance, Engineering, or a related quantitative field plus 4 years of experience as a Risk or Fraud Strategist or a related occupation. Must also have 3 years of experience in each of the following: Payments-related domains, including regional payment methods, risk management, fraud prevention, or trust and safety operations; Working with quantitative tools including Python, R or Stata; Using SQL; Project Management analytical tools including Jira, Asana, and Gantt charts; Predictive Analytics; Machin

Build something people love Wealthsimple is Canada’s leading financial innovator. The company offers a full suite of simple, sophisticated financial products across managed investing, do-it-yourself trading, cryptocurrency, tax filing, spending and saving. Wealthsimple currently serves more than 4 million Canadians and holds over $155 billion in assets under administration. The company was founded in 2014 by a team of financial experts and technology entrepreneurs, and is headquartered in Toronto, Canada. We're proud of what we've built — and we're just getting started. Read our Culture Manual and learn more about how we work . At Wealthsimple, we take our clients' security seriously. The Fraud Investigations team is the front line of defense within our Security & Risk group. We are looking for a sharp, detail-obsessed Fraud Investigator to specialize in Account Takeover (ATO) and Identity Fraud. You will be the detective protecting our clients from bad actors, securing compromised accounts, and ensuring our platform remains a safe place to build wealth. Please note this is an initial engagement of 9 months in a contract with benefits! What you will do: Investigate & Protect: Dive into the weeds of suspected Account Takeover (ATO) and Identity fraud cases. You will evaluate alerts, verify identities, and piece together digital footprints to uncover the truth. Secure & Remediate: Take immediate, decisive action to lock down compromised accounts, stop fraudulent activity in its tracks, and remediate the situation based on industry best practices. Guide the Client: Communicate directly with clients who may be panicked about a compromised account. You will guide them through the recovery process with absolute empathy, clarity, and urgency. Manage the Queue: Act as a master multi-tasker, managing multiple ongoing investigations at once while strictly maintaining case-closure Service Level Agreements (SLAs). Connect the Dots: Participate in weekly calibration

At Affirm, we exist for the moments that matter—giving people a clear, predictable way to pay over time, with no hidden fees, no surprises, and no tradeoffs on what matters most. The Fraud team at Affirm Bank works cross-functionally with Machine Learning, Product, Engineering, Operations to combat fraudulent activities to foster a safe platform. This role requires abundant cross-functional partnership. This individual will be the representative of the Credit Risk org, leading the charge on refining our Identity Verification and Fraud processes as well as our Application flow. Additionally, this role will work closely with the Product and Engineering teams to improve our Fraud solution. Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience. What You'll Do This role will take charge of owning fraud performance for depository products, including monitoring fraud losses, approval rates, false positives, customer friction, and other key risk metrics Data Pipeline, Analytics & Monitoring Build and maintain scalable data models and transformation pipelines, using tools (such as DBT) to standardize depository product, transaction, customer, fraud, and operational data. Define trusted fraud performance metrics and analytical datasets, including fraud loss rates, approval and decline rates, false-positive rates, customer friction, and operational efficiency. Develop recurring dashboards, scorecards, and monitoring frameworks to provide clear visibility into fraud performance, portfolio health, and emerging risks. Conduct deep-dive analyses to diagnose fraud losses, control gaps, false positives, portfolio shifts, and unexpected performance changes, translating findings into actionable recommendations. Fraud Strategy Building & Optimization Develop and optimize fraud rules, policies, thresholds, models, and decision strategies

About Us At Cloudflare, we are on a mission to help build a better Internet. Today the company runs one of the world’s largest networks that powers millions of websites and other Internet properties for customers ranging from individual bloggers to SMBs to Fortune 500 companies. Cloudflare protects and accelerates any Internet application online without adding hardware, installing software, or changing a line of code. Internet properties powered by Cloudflare all have web traffic routed through its intelligent global network, which gets smarter with every request. As a result, they see significant improvement in performance and a decrease in spam and other attacks. Cloudflare was named to Entrepreneur Magazine’s Top Company Cultures list and ranked among the World’s Most Innovative Companies by Fast Company. At Cloudflare, we’re not looking for people who wait for a polished roadmap; we’re looking for the builders who see the cracks in the Internet that everyone else has simply learned to live with. We value candidates who have the instinct to spot a "normalized" problem and the AI-native curiosity to create a solution using the latest tools. Our culture is built on iteration, leveraging AI to ship faster today to make it better tomorrow, while ensuring that every improvement, no matter how small, is shared across the team to lift everyone up. If you’re the type of person who values curiosity over bureaucracy, and that AI is a partner in solving tough problems to keep the Internet moving forward, you’ll fit right in. About the Role Cloudflare's Internal Fraud Platform team is focused on protecting Cloudflare from fraud and abuse: fraudulent signups, promo and trial abuse, payment fraud, chargebacks, and account takeover that cost the company revenue and support overhead. Today the team is built around data science, developing the signals and models that detect this activity. We're hiring our first software engineer to build the platform around that work: ingesting e

Why Sony Interactive Entertainment? Sony Interactive Entertainment isn’t just the Best Place to Play — it’s also the Best Place to Work. Sony Interactive Entertainment (SIE) is the company behind the PlayStation brand. As a subsidiary of Sony Group Corporation, we’re part of a proud legacy of innovation and excellence. SIE is a dynamic technology company, delivering cutting-edge hardware and network services to more than 100 million people and an entertainment leader, home to some of the most beloved and recognizable intellectual properties (IP) in the world. Our role at SIE is to create and nurture the experiences under the PlayStation brand, a name synonymous with entertainment excellence and creativity. Senior Manager, Fraud Operations, Investigations & Grey Markets San Diego, CA or San Mateo, CA Role Overview As the Senior Manager, Fraud Operations, Investigations & Grey Markets, you will lead a global team responsible for fraud investigations, operational risk mitigation, and grey market enforcement across the PlayStation ecosystem. You will drive operational excellence, develop investigative capabilities, and partner across Fraud Strategy, Data Science, Product, Commerce, Customer Experience, Legal, and Trust & Safety to identify emerging threats and implement scalable controls. This role requires a strategic leader who can balance operational effectiveness, customer experience, and business growth while building high-performing teams and programs. You will oversee complex investigations, establish operational frameworks, and develop proactive strategies to combat fraud abuse, account compromise, reseller abuse, entitlement exploitation, and grey market activity. What You’ll Be Doing Lead and develop a global team responsible for fraud and abuse monitoring, investigations, and grey market enforcement across the PlayStation ecosystem. Oversee fraud and abuse detection, monitoring, and investigative programs to identify and mitigate account com

We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table. Instacart is a Flex First team There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. Overview Instacart's Fraud, Appeasement & Identity team protects the marketplace and everyone who depends on it: customers, shoppers, retailers, and brand partners. Within this team, the Identity Platform group builds and operates the core services that verify who our users are, secure their accounts, and provide trustworthy identity and eligibility signals to systems across Instacart. We're looking for an Engineering Manager to lead the Identity and Risk Platform team. In this role, you'll own a critical part of Instacart's trust infrastructure across authentication, account lifecycle, identity verification, and graph and relationship modeling, while managing and developing a team of backend and platform engineers. Your work will directly influence fraud losses, account security, marketplace integrity, and Instacart's ability to scale responsibly while meeting

We're transforming the grocery industry At Instacart, we invite the world to share love through food because we believe everyone should have access to the food they love and more time to enjoy it together. Where others see a simple need for grocery delivery, we see exciting complexity and endless opportunity to serve the varied needs of our community. We work to deliver an essential service that customers rely on to get their groceries and household goods, while also offering safe and flexible earnings opportunities to Instacart Personal Shoppers. Instacart has become a lifeline for millions of people, and we’re building the team to help push our shopping cart forward. If you’re ready to do the best work of your life, come join our table. Instacart is a Flex First team There’s no one-size fits all approach to how we do our best work. Our employees have the flexibility to choose where they do their best work—whether it’s from home, an office, or your favorite coffee shop—while staying connected and building community through regular in-person events. Learn more about our flexible approach to where we work. Overview Instacart's Fraud, Appeasement & Identity team protects the marketplace and everyone who depends on it: customers, shoppers, retailers, and brand partners. Within this team, the Identity Platform group builds and operates the core services that verify who our users are, secure their accounts, and provide trustworthy identity and eligibility signals to systems across Instacart. We're looking for an Engineering Manager to lead the Identity and Risk Platform team. In this role, you'll own a critical part of Instacart's trust infrastructure across authentication, account lifecycle, identity verification, and graph and relationship modeling, while managing and developing a team of backend and platform engineers. Your work will directly influence fraud losses, account security, marketplace integrity, and Instacart's ability to scale responsibly while meeting

Who we are At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower millions of developers worldwide to craft personalized customer experiences. Our dedication to remote-first work , and strong culture of connection and global inclusion means that no matter your location, you’re part of a vibrant team with diverse experiences making a global impact each day. As we continue to revolutionize how the world interacts, we’re acquiring new skills and experiences that make work feel truly rewarding. Your career at Twilio is in your hands. . Hiring and how we work We use Artificial Intelligence (AI) to help make our hiring process efficient. That said, every hiring decision is made by real Twilions! Also, while we are a remote-first company, you may be asked to report in person on an ad-hoc basis for team gatherings, functional off-sites or customer meetings. . See yourself at Twilio Join the team as a Senior Software Engineer for Stytch, where you'll shape the next generation of fraud prevention products. About the job As a Senior Software Engineer you will help develop Stytch’s fraud detection and prevention products as we bring Stytch capabilities to Twilio’s full customer base, delivering secure, developer-first identity and fraud prevention experiences. You’ll primarily work on our Device Fingerprinting product that detects bots, manual abuse, and highly sophisticated reverse engineering to help protect our customers’ from fraud and abuse. You’ll partner closely with product and engineering leadership to evolve our detection techniques to continue to stay ahead of threats. This is a rare chance to operate like a startup within Twilio: you’ll work in a high-ownership environment with startup speed, backed by Twilio’s reach and scale. Responsibilities Build and own fraud detection capabilities for Stytch’s fraud platform

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. About the team Our Data Science team partners deeply with teams across Stripe to ensure that our users, our products, and our business have the models, data products, and insights needed to make decisions and grow responsibly. We're looking for data scientists with a passion for analyzing data, building machine learning and statistical models, and running experiments to drive impact. Our Fraud, Losses, and Financial Crime Data Science team builds the models and data products that protect Stripe and its users from fraud, account takeover, and financial crime. We own the full fraud and loss modeling stack - from account takeover detection and card fraud classification to merchant-level loss estimation, unsupervised anomaly detection, and financial crime risk modeling. We partner with Fraud Engineering, Financial Crimes Engineering, and Risk Operations to bring these systems into production and ensure they have measurable impact on Stripe's financial integrity and user trust. What you'll do We're looking for a Data Scientist to join the Fraud Data Science team. In this role, you'll build and improve the models that power Stripe's fraud detection and loss management systems. You'll work closely with Fraud Engineering and Risk Operations to move models from research to production, and you'll use data to surface insights that shape fraud strategy across the business. Data scientists on this team apply supervised and unsupervised machine learning, statistical mod

About Anthropic Anthropic’s mission is to create reliable, interpretable, and steerable AI systems. We want AI to be safe and beneficial for our users and for society as a whole. Our team is a quickly growing group of committed researchers, engineers, policy experts, and business leaders working together to build beneficial AI systems. About the role The Fraud Prevention team protects Anthropic's payment and monetization surfaces from financial abuse — keeping fraud losses, dispute rates, and network monitoring exposure in check while preserving a smooth experience for legitimate customers. As a software engineer on this team, you will build the systems that make risk decisions in real time, manage the dispute and chargeback lifecycle, and detect monetization abuse across subscriptions, in-app purchases, and promotions. The ideal candidate can see things from attackers' perspectives, anticipate their responses to countermeasures, and never loses sight of the fact that a false positive here is a paying customer. Payments fraud is more externally coupled than most trust and safety work — you'll collaborate closely with finance, support, and legal teams internally, and with payment processors and platform partners externally. Responsibilities: Design and build real-time risk decisioning that scores transactions at authorization time, balancing fraud loss, approval rates, and latency constraints Build tooling and automation for the dispute and chargeback lifecycle, from review queues to evidence collection and loss reporting Engineer fraud signals at scale — device fingerprinting, BIN and issuer signals, velocity features, and cross-account linkage — and detect monetization abuse across subscriptions, trials, promotions, and in-app purchases Own a portfolio of metrics — loss rate, dispute rate, authorization approval impact, and false-positive rate — rather than optimizing any single number Lead investigations into emerging fraud patterns, building multi-layered defense

Who We Are At Justworks, you’ll enjoy a welcoming and casual environment, great benefits, wellness program offerings, company retreats, and the ability to interact with and learn from leaders in the startup community. We work hard and care about our most prized asset - our people. We’re helping businesses get off the ground by enabling them to focus on running their business. We solve HR issues. We’re data-driven and never stop iterating. If you’d like to work in a supportive, entrepreneurial environment, are interested in building something meaningful and having fun while doing it, we’d love to hear from you. We're united by shared goals and shared motivations at Justworks. These are best summed up in our company values, which are reflected in our product and in our team. Our Values If this sounds like you, you’ll fit right in. Who You Are You're an experienced operations leader with a proven ability to scale payments and fraud functions in high-growth, regulated environments. You combine deep subject matter expertise with strong business acumen, balancing risk management with operational speed and customer experience. You lead with rigor and judgment, stay relentlessly focused on the customer, and build high-performing teams and systems that scale with the business. Your Success Profile As the Director of Payments and Fraud Operations, you will lead two critical teams accountable for the accurate and timely movement of customer funds and the protection of Justworks from financial and fraud-related risk. You will set the strategic direction for both functions, ensuring customer funds move reliably at scale and that Justworks remains fully compliant with AML industry standards. You will elevate Payments and Fraud Operations as strategic functions that enable revenue growth, strengthen customer trust, and support faster payment products without increasing financial exposure. What You Will Work On Lead and Develop the Payments and Fraud Operations Teams Build, develop

About Ramp Ramp is building the smart infrastructure for finance teams, embedded in the transaction flow of every dollar a business spends. We automate how over $200B in annualized spend flows in and out of 70,000+ companies: authorizing payments, flagging risk, categorizing spend, and closing books. The problems are high-stakes, data-dense, and unforgiving. We hire people with high agency and high urgency. We look for slope over intercept. We care less about where you trained and more about what you’ve built. At Ramp, everyone is a builder who owns problems end to end and makes consequential decisions that shape the outcome. The median Ramp customer saves 5% and grows revenue 16% in their first year – far in excess of businesses operating without Ramp. We believe every ambitious company deserves the same. If you want to build systems that directly shape how companies move and manage billions, Ramp is the place to do it. About the Role We are hiring a Software Engineer to build systems across Fraud, UIM (User & Identity Management), and Identity. This role sits at the intersection of security, risk decisioning, and product experience. You will help build detection and enforcement capabilities for fraud and account takeover, as well as the identity primitives that power authentication, authorization, and safe account access. This work is deeply cross-functional. You will partner closely with Fraud Ops, Risk Strategy, Security, Product, and Data to ship improvements that are measurable in loss reduction, attack containment, and user experience. What You’ll Do Build and evolve backend services that detect and prevent fraud across multiple surfaces, including account access and money movement. Develop enforcement and response tooling that enables fast, safe actions such as identity locks, business locks, payment freezes, and other containment levers. Improve protections against account takeover (ATO), including risk-based step-ups, monitoring, and targeted friction

Who we are At Twilio, we’re shaping the future of communications, all from the comfort of our homes. We deliver innovative solutions to hundreds of thousands of businesses and empower millions of developers worldwide to craft personalized customer experiences. Our dedication to remote-first work , and strong culture of connection and global inclusion means that no matter your location, you’re part of a vibrant team with diverse experiences making a global impact each day. As we continue to revolutionize how the world interacts, we’re acquiring new skills and experiences that make work feel truly rewarding. Your career at Twilio is in your hands. . Hiring and how we work We use Artificial Intelligence (AI) to help make our hiring process efficient. That said, every hiring decision is made by real Twilions! Also, while we are a remote-first company, you may be asked to report in person on an ad-hoc basis for team gatherings, functional off-sites or customer meetings. . See yourself at Twilio Join the team as a Staff Software Engineer where you'll shape the next generation of fraud prevention products. About the job As a Staff Software Engineer you will help develop Stytch’s fraud detection and prevention products as we bring Stytch capabilities to Twilio’s full customer base, delivering secure, developer-first identity and fraud prevention experiences. You’ll primarily work on our Device Fingerprinting product that detects bots, manual abuse, and highly sophisticated reverse engineering to help protect our customers’ from fraud and abuse. You’ll partner closely with product and engineering leadership to evolve our detection techniques to continue to stay ahead of threats. This is a rare chance to operate like a startup within Twilio: you’ll work in a high-ownership environment with startup sped, backed by Twilio’s reach and scale. Leveling & Ownership: Hiring at either the Senior or Staff level —exact leveling and scope of influ

Our Global Structure Deliveroo is now part of DoorDash, bringing together teams with even greater reach, scale, and ambition. Depending on your role, you may collaborate with teammates, systems, and leaders across DoorDash and Wolt. Together, we’re unlocking new possibilities as one global team. Your job is to make sure every payout and transaction lands with the right person. We have spent years getting very good at protecting the things a marketplace has always had to protect: checkout fraud, account takeover, courier abuse. But we are no longer only a marketplace. We now issue banking products, lend to merchants, move instant payouts to couriers, and collect cash on the doorstep. Every one of those is a new way for money to leave the platform. This is a new team, and it owns that surface: fraud wherever money moves through the platform. Who receives it, who lends it, who collects it, and who holds it in a financial account. Think instant payout rails, merchant cash advances, and platform-issued banking and earned-wage products serving millions of couriers and merchants. These are live loss surfaces, and the volume grows with every financial product we launch. We are now looking for a Backend Engineer (Golang) to build that protection. You will design and ship real-time detection and automated enforcement for our financial products across DoorDash, Wolt, and Deliveroo. The work is high-throughput, low-latency, and unusually consequential: a rule you ship on Monday can stop a serious loss by Friday. It is also close to greenfield, so you will be setting the patterns every future financial product inherits on day one. This role will be based in London , UK as one of the founding engineering roles in our London hub, working closely with our teams in Helsinki and Berlin. What you'll do: Build and maintain high-throughput, low-latency backend services in Go that score financial events in real time, including payout enrollments, bank account links, credit applications,