This job has closed.

Trustly · 1 day ago

Risk Decision Scientist

United States

Full-time

Remote

Mid Level

$175K/yr - $195K/yr

3+ years exp

Trustly is a global leader in Open Banking Payments, aiming to revolutionize the payment experience. The Risk Decision Scientist will be crucial in developing risk strategies, utilizing data science and machine learning to manage complex bank risks related to fraud and credit, while collaborating with various teams to ensure effective execution.

E-CommerceFinanceFinTechInternetPaymentsPrivacySecuritySocial Media

Comp. & Benefits

Responsibilities

Own the end-to-end design, maintenance, and continuous optimization of risk strategy frameworks, decision policies, and rules to meet ambitious business and loss goals

Use advanced analytics, SQL, Python, and statistical methods to solve complex problems, discover emerging risk trends, and inform high-impact decisions across the company

Partner closely with Product, Engineering, Data Science, Finance, and Risk Operations to translate business needs into scalable, data-driven strategies and ensure successful execution

Drive the development, maintenance, and refinement of risk strategy frameworks and complex rules to achieve ambitious business goals

Detect anomalies and evolving fraud trends, write risk rules targeting fraud patterns, and closely monitor the solution performance

Present strategies, findings, and recommendations to merchants and internal leadership, translating advanced ACH, risk, and fraud concepts into clear narratives that drive confidence, alignment, and action

Master large volumes of data; extract and manipulate large datasets using standard tools such as SQL and Python

Develop flexible performance dashboards and monitoring tools using platforms like Quicksight to provide clear, actionable insights to a variety of audiences and senior leaders

Plan and measure experiments (A/B and multivariate tests) to analyze the incremental value of new intelligence feeds and transform test results into actionable business insights

Qualification

SQLPythonRisk strategy frameworksData visualization toolsFraud detectionStatisticsData scienceA/B testingProduct instinctsCommunication skills

Required

Minimum of 3+ years of experience in fraud or credit risk strategy within the fintech, e-commerce, or online payments industry

Proficiency in SQL and Python, with a strong ability to work with large, complex datasets

Bachelor's degree in Statistics or an equivalent quantitative field (e.g., economics, finance, engineering, exact sciences)

Demonstrated ability to use statistics and data science to solve complex, ambiguous problems and drive data-driven decisions

Experience building and deploying rules or automated monitoring; familiarity with fraud patterns such as Account Takeover (ATO), stolen credentials, NSF/ACH risk, or knowledge of the U.S. banking ecosystem

Able to turn complex analytics into simple, compelling stories for both technical and business audiences

Prior experience in payments risk, ACH, bank transfers, or real-time payments ecosystems

Strong product instincts - ability to influence roadmap, not just analyze data

Prior experience in high-growth, ambiguous startup environments where structure needed to be built