Analytics Lead, Deposit Fraud Risk

About the role

The Fraud team at Affirm Bank works cross-functionally to combat fraudulent activities and foster a safe platform. This role will lead the charge on refining identity verification and fraud processes for depository products while partnering with product and engineering teams to improve fraud solutions.

Responsibilities

• Build and maintain scalable data models and transformation pipelines to standardize depository product, transaction, customer, fraud, and operational data.
• Define trusted fraud performance metrics and analytical datasets including fraud loss rates, approval rates, and customer friction.
• Develop recurring dashboards, scorecards, and monitoring frameworks to provide visibility into fraud performance and portfolio health.
• Conduct deep-dive analyses to diagnose fraud losses, control gaps, and unexpected performance changes.
• Develop and optimize fraud rules, policies, thresholds, models, and decision strategies.
• Evaluate new data sources and signals to improve detection of identity, account takeover, device, and transaction risks.
• Lead testing and performance measurement of fraud strategy changes including rule launches and model updates.
• Partner cross-functionally with Product, Engineering, Machine Learning, and Operations to improve fraud strategies and support new product launches.

Required skills

• SQL
• Python
• Data modeling
• Fraud strategy
• Risk management
• Payment processing

Benefits

• 100% subsidized medical coverage
• Dental insurance
• Vision insurance
• Monthly tech stipend
• Monthly wellness stipend
• Flexible time off
• Employee stock purchase plan

About the Company

Affirm exists to give people a clear, predictable way to pay over time with no hidden fees, no surprises, and no tradeoffs. The company is committed to changing consumer finance through better technology, lower costs, and increased transparency.