Fraud Decision Scientist

Responsibilities

As Staff Fraud Decision Scientist, the company expects you to perform the following tasks:

• Own Zapp’s fraud decision strategy across the customer lifecycle, ensuring fraud
  controls work together as a coherent and scalable decision framework.
• Continuously monitor fraud, approval, chargeback, conversion, and customer friction
  metrics to identify emerging fraud patterns and optimization opportunities.
• Design, implement, and optimize fraud controls across internal systems and third-party fraud platforms.
• Define decision logic, control sequencing, thresholds, and escalation strategies to
  maximize fraud prevention while minimizing customer friction.
• Analyze transaction, payment, behavioral, device, and identity data to proactively identify new fraud vectors and systemic vulnerabilities.
• Lead root cause analyses following fraud events, approval declines, chargeback trends, or operational incidents, implementing both immediate containment and long-term preventive solutions.

You're the person they're looking for if you have:

• 4+ years of experience in fraud strategy, fraud analytics, risk strategy, decision science, payments, or fraud decision engineering within fintech, payments, banking, or cross-border remittances.
• Proven experience designing, implementing, and optimizing fraud decision
  strategies—not simply monitoring fraud performance.
• Experience configuring and managing fraud platforms and decision engines.
• Advanced SQL skills and experience working with large transactional datasets.
• Strong analytical skills with the ability to translate complex data into practical fraud
  strategies and measurable business improvements.
• Experience designing and evaluating controlled experiments (A/B testing, champion/challenger testing, phased rollouts).
• Strong understanding of card payments, authorization flows, AVS, CVV, 3DS, device
  fingerprinting, identity verification, chargebacks, and payment fraud.
• Experience building fraud KPIs, dashboards, monitoring frameworks, and performance reporting.