Data and Analytics

Data and Analytics

Payment Fraud Machine Learning & Data Science Manager — Hybrid, New York, United States; San Francisco, United States

Lead fraud prediction and risk decisioning data science for account-to-account payment services.

Vacancy details

This is a private vacancy. Company details stay confidential until InVault confirms a serious candidate fit.

Status
Active
Date posted
2026-11-15
Open until
2027-02-13
Employment type
Full-time
Source-listed languages
Not specified
Language requirement
No mandatory language inferred
Work arrangement
Hybrid
Physical workplaces
New York, United States; San Francisco, United States
Applicant eligibility
Applicant geography not specified

Overview

Lead hands-on fraud and payment-risk machine learning for high-volume bank-payment products. Build, ship and monitor models for ACH returns, fraud and account takeover while mentoring a team of data scientists and machine-learning engineers. Balance approval rates, customer friction, fraud losses and measurable financial outcomes in partnership with risk, product, engineering and finance.

Requirements

  • At least five years of hands-on experience building and deploying machine-learning models in production, including two or more years leading a data science or machine-learning team.
  • Current ability to build, validate, deploy and maintain production models personally, alongside leading others.
  • Strong Python and advanced SQL working with large datasets in cloud data warehouses or distributed processing engines.
  • Direct experience modeling fraud, credit or payments risk, including rare events, delayed outcome labels, reject inference and business impact beyond AUC.
  • Experience with real-time model inference and monitoring for high-volume, low-latency risk decisions, including drift detection, retraining and updates.
  • Experience owning or materially contributing to loss forecasting or a loss budget and explaining financial impact to stakeholders.
  • Strong experimentation for model and policy changes, including champion-challenger evaluations, holdouts and staged rollouts.
  • Ability to mentor data scientists and machine-learning engineers and explain risk-model tradeoffs to nontechnical leaders.
  • A quantitative degree; scikit-learn, XGBoost, LightGBM or CatBoost; ACH/NACHA knowledge; open-banking data; feature stores; graph/sequence models; cloud ML platforms; and model-risk governance experience are preferred rather than mandatory.

Responsibilities

  • Personally build, validate, deploy and improve production fraud and ACH-return risk models.
  • Lead and mentor a data science and machine-learning engineering team and set its delivery roadmap.
  • Engineer transaction, device, account, network and behavioral features for low-latency decisioning.
  • Measure model and policy changes using controlled experiments, backtests and champion-challenger comparisons.
  • Own monitoring of model performance, drift, loss drivers and operational outcomes.
  • Partner with risk, product, finance and engineering to connect scoring decisions to customer approvals and financial losses.
  • Document model decisions, validation, governance evidence and explainable outcomes for auditors and internal reviewers.
  • Evaluate external risk signals and data providers for incremental fraud-detection value.

Conditions

  • Full-time hybrid role based in New York or San Francisco, United States, with office attendance Tuesday through Thursday.