189 Risk jobs

We are seeking folks who are passionate about fighting fraud while delivering a world-class customer experience. As a Fraud Prevention and Investigation Specialist, you will act as fraud-fighting detective and be responsible for helping to make Gusto the safest and most secure payroll solution. Risk Operations is at the core of our business and our team is a key stakeholder in company decisions and operations. We currently process  +$10bn  of payroll annually, but with your help, we will process more in a safe and sustainable way. We are a small, close, fun group that works hard and laughs a lot. No egos here — we collaborate and help each other out in a positive environment. Here’s what you’ll do day-to-day: Hunt fraudsters.  You are our internal police force - prevent the bad guys from abusing our system by reviewing, monitoring and investigating new accounts and suspicious activity. Solve puzzles.  Fraud is a complicated puzzle to solve. Come up with innovative methods to identify trends, patterns, and ultimately, catch the bad guys. Who doesn’t love a good caper? Operate cutting-edge tools.  Scope and drive continual enhancements to our systems and processes to identify and eliminate fraudulent activity. Work closely with key stakeholders.  Work cross-functionally with internal teams, our customers, and external partners (including banks, law enforcement, etc.) Here's what we're looking for: Experience . 0-1 year of work experience. We're looking for someone who is eager to learn.  Thought Process.  An insatiable appetite for problem solving, knack for structured thinking, ability to spot unusual patterns, and sharp attention to detail. Values.  Driven by a strong moral compass, is objective yet compassionate, and does the right thing every time. Discipline.  Excellent time management skills and ability to handle multiple projects/tasks simultaneously. Is extremely process and policy oriented. Attitude.  Goal-oriented, positive, and proactive. Comfortable in a fast-paced, results-oriented work environment. Communicates well with others. Background.  Minimum four year accredited university/college degree. Brownie points for: Professional certifications (CFE) Payroll industry experience Professional Tech experience  Start date:  July 23, 2018 About Gusto Our customers come from all walks of life and so do we. We hire people from a wide variety of backgrounds, not just because it’s the right thing to do, but because it makes our company stronger. If you share our values and our enthusiasm for small businesses, you will find a home at Gusto.  Gusto’s mission is to create a world where work empowers a better life. By making complicated, impersonal business tasks simple and personal, Gusto is reimagining HR, payroll, and benefits for over 60,000 companies nationwide. Gusto has offices in San Francisco and Denver and the company’s investors include Google Capital, General Catalyst, Kleiner Perkins Caufield & Byers, as well as the founders of Instagram, Stripe, Nest, PayPal, Yelp, Dropbox, and Eventbrite, among others.

As a member of the team, you’ll have the opportunity to advise on system implementations, product launches and other business initiatives. You will support compliance initiatives throughout a fast paced dynamic startup environment. You’ll collaborate regularly with the operations, security, and development teams to complete a variety of engaging projects that assess enterprise technology risk. If you are a self-starter, with an appetite to learn and play a vital role in the growth of our compliance team, then this role is for you. What You'll Do: Develop and maintain information security policies, procedures, standards and guidelines based on best practices and regulatory and legal compliance Creates, manages and conducts workforce information security Ensures adequate and effective IT controls exist to meet applicable current and future security compliance requirements found in laws, regulations, frameworks such as requirements to comply with SSAE 16 SOC I & II, ISO 27001, NIST/FedRamp etc. Remediate internal controls related to IT, security, operations, and engineering Work with internal stakeholders to complete internal audit requirements Work with external auditors to assist in the completion of annual compliance audits Assist with user access/identity management reviews from automated and manual systems Performs other duties as assigned or necessitated by business, regulatory or emergency situations What We Expect: Bachelor's Degree required in Management Information Systems, Business or Accounting, or other related field 2-3 years of professional experience in a technology risk or compliance related role Big 4 experience preferred 2+ years experience with one or more of the internal controls frameworks (PCI, NIST 800-53, DoD STIGs, SSAE 18 (SOC), ISO 27001, MS-SDL, SOX) CPA, CISA, CISSP, or other related technology governance certifications a plus

Overview At Xapo, the largest custodian of Bitcoin in the world, we offer the convenience you would expect from an online checking account with the high tech security of our Bitcoin vault.Our business is growing fast, and we want to make sure we can keep providing the best quality support to our customers. We are looking for an experienced Information Security Process Analyst based in Europe who can actively contribute to a challenging / technological work environment.   Responsabilities High-level coordination and communication across various business units, overseeing operational execution of Global IT Security Policies, and ensuring regulatory IT Security compliance requirements are being met Enforcement and validation of Global information security policies, standards and procedures Assess IT general controls and/or application layer security controls to ensure compliance with XAPO Global Information Security policies, international standards, best practices and regulations, especially in the European Union (GDPR, the new Data Privacy Regulation in the EU) Deep understanding of business processes and technology used within the areas to ensure compliance with regulatory requirements and the XAPO Information Security Policy and applicable procedures, processes and standards Identify and evaluate technology risks internally and/or at third parties, internal controls which mitigate risks, and related opportunities for internal control improvements Ensure users understand and adhere to policies and procedures including implementation and enforcement of an information Security awareness program Some Perks of working with Xapo TOP-TIER COMPENSATION PLUS STOCK OPTIONS Absolute autonomy Remote work enviroment Working as part of a global team Learning from Silicon Valley’s brightest   Requirements 5 years or more as an auditor or in audit departments Proven experience in  SOC1/2 Reports and ISO 27001 Certification, Information Security controls - Big 4, Consulting or IT internal audit experience. Have understanding or work experience with GDPR, the new Data Privacy Regulation in the EU. Information Security certification such as CISSP, CISSM, CRISC, CISA or equivalent desirable. Deep understanding  and experience on implementation of Policies for Data Privacy and Security controls for protection of Personal Data and Personally Identifiable Information Privacy regulations and security compliance requirements affecting Global financial institutions (i.e. GDPR) To be located in Europe Additional Skills - Knowledge in various cybersecurity areas such as: Identity and Access Management, Threat and Vulnerability - Management, Information Risk and Governance, IT Architecture, Monitoring, Incident Response and Security Strategy, Physical Security and/or Business Resiliency - Good written and verbal communication skills for report writing, business requirement proposals, technical policies, and methodology documentation. - Strong analytical, problem solving, organizational, documentation; time management skills and attention to details - Good analytical and problem-solving skills coupled with thoroughness and attention to detail is highly desired - Ability to optimize and condense information and transform data into easily understandable concepts - Technical skills in MS Excel, PowerPoint, Word, and Project - Fluent in English. Speak a second language ideal, preferably Spanish, but not a requirement.

Job description Overview: At Xapo, the largest custodian of Bitcoin in the world, we offer the convenience you would expect from an online checking account with the high tech security of our Bitcoin vault. Our business is growing fast, and we want to make sure we can keep providing the best quality support to our customers. We are looking for an experienced information Security Process Analyst who can actively contribute to a challenging / technological work environment.   Responsabilities High-level coordination and communication across various business units, overseeing operational execution of Global IT Security Policies, and ensuring regulatory IT Security compliance requirements are being met Act as an Information Security liaison with US Regulators and Authorities Enforcement and validation of Global information security policies, standards and procedures Assess IT general controls and/or application layer security controls to ensure compliance  with XAPO Global Information Security policies, international standards, best practices and regulations, especially in the US Deep understanding of business processes and technology used within the areas to ensure compliance with regulatory requirements and the XAPO Information Security Policy and applicable procedures, processes and standards Identify and evaluate technology risks internally and/or at third parties, internal controls which mitigate risks, and related opportunities for internal control improvements Ensure users understand and adhere to policies and procedures including implementation and enforcement of an information Security awareness program Some Perks of working with Xapo TOP-TIER COMPENSATION PLUS STOCK OPTIONS Absolute autonomy Working as part of a global team Learning from Silicon Valley’s brightest Requirements 5 years or more as an auditor or in audit departments Proven experience in  SOC1/2 Reports and ISO 27001 Certification, Information Security controls - Big 4, Consulting or IT internal audit experience. Information Security certification such as CISSP, CISSM, CRISC, CISA or equivalent desirable. Deep understanding  and experience on implementation of Policies for Data Privacy and Security controls for protection of Personal Data and Personally Identifiable Information Privacy regulations and security compliance requirements affecting Global financial institutions (i.e. GDPR) Additional Skills Knowledge in various cybersecurity areas such as: Identity and Access Management, Threat and Vulnerability Management, Information Risk and Governance, IT Architecture, Monitoring, Incident Response and Security Strategy, Physical Security and/or Business Resiliency Good written and verbal communication skills for report writing, business requirement proposals, technical policies, and methodology documentation. Strong analytical, problem solving, organizational, documentation; time management skills and attention to details Good analytical and problem-solving skills coupled with thoroughness and attention to detail is highly desired Ability to optimize and condense information and transform data into easily understandable concepts Technical skills in MS Excel, PowerPoint, Word, and Project Fluent in English Speak a second language ideal, preferably Spanish, but not a requirement

Job description Xapo’s Finance function manages the group’s Balance Sheet, maintaining a balanced structure within an established risk appetite. The Risk Management team establishes the various risk parameters to monitor and optimize capital, credit, liquidity and market risk exposures affecting Xapo’s business model.  Job Overview: The Senior Risk Manager will support the development and implementation of the governance infrastructure (as per the Risk Management Framework) across all relevant risks affecting Xapo – namely credit / counterparty, capital, liquidity and market risk. Will formulate various risk policies and accompanying procedures for internal and external monitoring and reporting; undertake analysis for the calibration and limit setting in line with Xapo’s changing business model and needs across various jurisdictions and regulators. He/she will support the design and implementation of treasury management systems and controls based on our new accounting system (NetSuits). Also will lead the design of Stress Testing models (under multiple scenarios), and the presentation of results for internal senior management committees. He/she will liaise and provide support to the international centers on all risk related matters and produce other ad-hoc reports as required.    Key responsibilities   Support the implementation of the Group’s Risk Management Framework Contribute to the design of reports to the various regulators (USA, Gibraltar, Switzerland) and reconciliation to source systems Production and analysis of periodic management information reports and Stress Testing models Support the Group globally on a wide range of licensing and regulatory matters Provide Senior Management with accurate and timely treasury, cash flow and liquidity analysis, and financial information, based on evaluation of data and producing financial treasury management reports together with reporting against key performance indicators. Provide functional system assessment and support the implementation of NetSuits, Treasury Management Systems and bank systems  Contribute to the centralized Treasury approach and overseeing and substantiating decentralized execution where it is required due to country restrictions. Provide recommendations to enhance financial and treasury policies and to implement the necessary changes that will strengthen the financial controls and management throughout the Xapo. Provide global oversight of bank account management, liquidity holdings, foreign exchange conversion Participate in ad-hoc projects as required Provide guidance for the development of standard operating procedures for treasury operations and validate operational banking requirements to meet operational needs in remote locations and when using third party local partners. Make recommendations to Senior Management and statutory bodies regarding Treasury and Risk Management Key Accountabilities Ensure all policies, documentation, substantiation related to Treasury and financial risk management are accurate and complete, best practice and stand up to the scrutiny of oversight bodies and statutory requirements. Ensure management are provided with timely and accurate information on Treasury Management indicators and relevant critical impact analysis. Ensure a centralized treasury management approach and bank account structure meets operational needs to support Xapo’s business model. Provide guidance and instructions to be able to comply with financial regulations, rules and audit requirements in all jurisdictions. Effective safeguarding of global cash resources Conduct the Secretariat role and assist Head of Market Risk in managing the Risk Management Committee (RMC)  Approve opening and closing of corporate bank accounts and validate contextual bank account structures to meet global operational requirements.   Requirements A minimum of 10 years at a global level, of progressively responsible experience in treasury and risk management in banks BSc or MSc in Finance / Economics or similar Competent knowledge in all ALM / Treasury areas, with at least expert level in one of the following areas: capital, funding & liquidity, market, IR, credit / counterparty Experience dealing with Central Banks and Regulators “hands-on”, team-player, dependable, able to work independently without supervision (knows when to decide vs. escalate) Excellent analytical and data manipulation skills Very strong influencing and collaboration skills with the ability to work across departments and move processes and projects forward Excellent communication skills Flexible working hours / able to adapt swiftly Ability to maintain a high level of confidentiality

Job description Overview At Xapo, the largest custodian of Bitcoin in the world, we offer the convenience you would expect from an online checking account with the high tech security of our Bitcoin vault.Our business is growing fast, and we want to make sure we can keep providing the best quality support to our customers. We are looking for an experienced Data Protection Officer (DPO) based in Europe / UK  who can actively contribute to a challenging / technological work environment.   This job opportunity is remote - you could work from anywhere in Europe or in the UK   Responsibilities   To inform and advise the organization about obligations to comply with the GDPR and other data protection laws including: monitor compliance with the GDPR and other data protection laws, and with Xapo´s data protection policies. To manage internal data protection activities; raising awareness of data protection issues, training staff, and conducting internal audits; To advise on, and to monitor, data protection impact assessments by functioning as the first point of contact for supervisory authorities and other parties involved whose data is processed (employees, customers etc). Prioritise and focus on the high risk activities of the organization, for example where special category data is being processed, or where the potential impact on individuals could be damaging. Some Perks of working with Xapo TOP-TIER COMPENSATION PLUS STOCK OPTIONS Absolute autonomy Remote work enviroment Working as part of a global team Learning from Silicon Valley’s brightest   Requirements Skills and Experience:   Bachelor’s degree in business or a related field +5 years of professional experience in a similar role in a multinational business Expert knowledge in national data protection laws and legal compliance with particularly solid experience with GDPR Familiarity with Information and Cyber security risks and information security standards, IT security knowledge, or IT audit background Experience in negotiating data privacy terms, privacy impact assessment, incident management, and subject access requests ideally in a tech-environment Ideally to have experience of working in a financial or professional services environment Familiarity and experience with the application of data protection regulations in a technology context Certification in Data Privacy: e.g., CIPM, CIPP, C-GDPR-P, BCS/ISEB or PDP Other skills:     Ability to assess data privacy risks and prioritise resources and activity to manage those risks Proven ability to establish and maintain a high level of confidentiality, respect, trust and credibility Exceptional organizational skills with attention to detail Fluent in English, ability to speak a second language ideal, preferably Spanish, but not a requirement

Our  vision  is to bring more innovation, efficiency, and equality of opportunity to the world by creating an open financial system. Our first step on that  journey  is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more delightful to use than any alternative. Those principles guide every decision across the company from design through engineering, from operations through security. Digital currency is fungible, instantly transferable and irreversible. This attracts sophisticated bad-actors. First, fraudsters use stolen bank accounts or cards to try to buy digital currency and immediately move it to a private wallet that’s only in their control. Second, hackers target Coinbase user accounts in an attempt to drain their balance. We’ve been able to stay ahead of bad actors via a combination of machine learning, data-driven rules based systems and anti-fraud analysts. To learn more check out  slides  and  video  for a talk on this topic at Websummit 2016. Responsibilities Use machine learning to solve one of the hardest payment fraud and user security problems in the world  Requirements Exhibit our core cultural values: add positive energy, communicate clearly, be curious, and be a builder Experience with building and deploying machine learning models in a real product setting with demonstrated lifts in a metric Experience with one of the ML platforms: Python / scikit-learn, Spark, vowpal wabbit, etc Deep understanding of internals at least one ML algorithm Experience working with the following ML algorithms: Logistic Regression, Random forests, k-means Preferred  Experience working with some of the following ML algorithms: xgboost, spectral clustering, association rule mining, deep learning algorithms

Our  vision  is to bring more innovation, efficiency, and equality of opportunity to the world by creating an open financial system. Our first step on that  journey  is making digital currency accessible and approachable for everyone. To achieve that, it is critical to have timely and reliable access to all of our data, from user clicks on our website down to blockchain transactions.   As a Data Platform Engineer, you will build our next generation data platform and accompanying services. Our data pipelines are growing rapidly, currently processing several terabytes of data from production databases and external providers to our data warehouse. We build foundational self-service systems that allow end users to create ETL flows and consume data in batch and streaming fashion for machine learning, fraud prevention, A/B testing and analytics purposes.   Responsibilities Data ingestion pipeline: Build our next generation streaming ingestion pipeline for scale (10x data), speed (<1 minute of lag), and ease of use (<1 hour to add a new source). Today we do this in Apache Airflow, Hadoop, a pure Kotlin service, and Spark. Self-service transformation engine: Build and maintain our self-service tooling that allows anybody at Coinbase to transform complex JSON and create dimensional models. Specific challenges are supporting type 2 slowly changing dimensions, end-to-end testability, cell-level security, validation/monitoring/alerting and efficient execution. Today we do this in Apache Airflow. Anomaly detection: Build a comprehensive anomaly detection service that allows anybody at Coinbase to quickly set up notifications in order to detect process breakage. REQUIREMENTS Exhibit our core cultural values: positive energy, clear communication, efficient execution, continuous learning Experience building (data) backend systems at scale with parallel/distributed compute Experience building microservices Experience with Python and/or Java/Scala Knowledge of SQL A data-oriented mindset PREFERRED (NOT REQUIRED): Computer Science or related engineering degree Deep knowledge of Apache Airflow, Spark, Hadoop, Hive, Kafka/Kinesis WHAT TO SEND A resume that describes scalable systems you’ve built  

Our  vision  is to bring more innovation, efficiency, and equality of opportunity to the world by creating an open financial system. Our first step on that  journey  is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more delightful to use than any alternative. Those principles guide every decision across the company from design through engineering, from operations through risk and security. Digital currency is fungible, instantly transferable and irreversible. This attracts sophisticated bad-actors. First, fraudsters use stolen bank accounts or cards to try to buy digital currency and immediately move it to a private wallet that’s only in their control. Second, hackers target Coinbase user accounts in an attempt to drain their balance. We’ve been able to stay ahead of bad actors via a combination of data-driven rules engines, machine learning and anomaly detection systems. To learn more, check out  slides ,  video , or this  podcast  for a talk on this topic. Responsibilities Solve one of the hardest payment fraud problems in the world Build scalable backend services e.g. service that obtains risk score from machine learning systems in real-time Develop systems to gather signals from payment and identity data providers, to distinguish fraudulent activity from legitimate Requirements Exhibit our core cultural values: add positive energy, communicate clearly, be curious, and be a builder. 4+ years of engineering experience in fighting badness (fake accounts, spam, account takeovers, payment fraud) Experience with building and scaling at least 1 data service (e.g. synchronous micro-service, risk scoring, rules engines, anomaly detection) Experience working with large and messy data sets (eg web logs, network data, images) and deriving meaning out of it. Experience with SQL and at least one high level languages (Ruby, Python, or a JVM-based language). Preferred (not required) Some front end experience (javascript, mobile apps) to gather insights What to send A resume that includes details of your prior experience fighting bad actors on the internet.

Our  vision  is to bring more innovation, efficiency, and equality of opportunity to the world by creating an open financial system. To achieve this goal, we build systems that bridge the gap between Finance 1.0 and 2.0. A core part of these systems is enabling automation and offloading workflows from human administrators to machines with the goal of increasing efficiency. We use machine learning to do exactly that: fully automate decision making where possible, empower analysts during their decision processes and reduce human errors. As a Machine Learning Platform Engineer, you will get the chance to build our next generation machine learning infrastructure, enabling our growing Machine Intelligence team to have fast iteration cycles through an easy-to-use training and serving infrastructure. In addition, you will be building and maintaining streaming and batch aggregation pipelines that power real time scoring engines. RESPONSIBILITIES Feature Store: Batch and real-time data aggregation and serving layer that powers predictive models. Nostradamus: Training and scoring infrastructure that enable machine learning practitioners to take a model from an idea to production. Evaluation Framework: Backtesting and A/B testing of models. Deep Learning Pipeline: Build pipelines to move terabytes of image data securely, enabling computer vision applications such as analyzing identity documents for authenticity. REQUIREMENTS Exhibit our core cultural values: add positive energy, communicate clearly, be curious, and be a builder. Experience building backend systems with a focus on machine learning  and/or  analytics. Experience applying machine learning to real world problems. PREFERRED (NOT REQUIRED) Computer Science or related engineering degree Knowledge of Spark, Flink, Kafka WHAT TO SEND A resume that describes scalable systems you’ve built

Our  vision  is to bring more innovation, efficiency, and equality of opportunity to the world by creating an open financial system. Our first step on that  journey  is making digital currency accessible and approachable for everyone. Two principles guide our efforts. First, be the most trusted company in our domain. Second, create user-focused products that are easier and more delightful to use than any alternative. Those principles guide every decision across the company from design through engineering, from operations through security. Digital currency is fungible, instantly transferable and irreversible. This attracts sophisticated bad-actors. First, fraudsters use stolen bank accounts or cards to try to buy digital currency and immediately move it to a private wallet that’s only in their control. Second, hackers target Coinbase user accounts in an attempt to drain their balance. We’ve been able to stay ahead of bad actors via a combination of machine learning, data-driven rules based systems and anti-fraud analysts. To learn more check out  slides  and  video  for a talk on this topic at Websummit 2016. Responsibilities Use machine learning to solve one of the hardest payment fraud and user security problems in the world  Be the primary contact for data science and analytics for rest of the company Requirements Exhibit our core cultural values: add positive energy, communicate clearly, be curious, and be a builder Experience with building and deploying machine learning models in a real product setting with demonstrated lifts in a metric Experience with one of the ML platforms: Python / scikit-learn, Spark, vowpal wabbit, etc Deep understanding of internals at least one ML algorithm Experience working with the following ML algorithms: Logistic Regression, Random forests, k-means Preferred  Experience working with some of the following ML algorithms: xgboost, spectral clustering, association rule mining, deep learning algorithms What to send A resume and a link to your Kaggle, GitHub, blog post showcasing something awesome you've built

Coinbase is looking for an analyst to own the risk vendor management lifecycle, which is key to opening up partner relationships and enhancing capabilities of teams across the company. This role will include improving our vendor evaluation process, sourcing vendors that are the right partners for us, assessing vendor impact over time, and helping augment the way vendors impact our processes and data management. Responsibilities Own and run the risk vendor management program Perform data driven analysis of  different vendors in a similar space and provide recommendations to the engineering team Effectively negotiate risk vendor contracts Build relationships with a broad set of internal Coinbase employees and external contacts to drive positive risk team outcomes throughout the vendor lifecycle, including selection, onboarding, maintenance, and sunsetting. Requirements Must be an intuitive, analytical thinker, with outstanding written and spoken communication skills. 2-5 years’ experience in a vendor management role or risk assessment role Strong organization and prioritization skills - needs to be flexible to meet the demands of a fast-paced environment. Strong foundation of risk and fraud knowledge, especially related to payments fraud   Strong analytical background with expertise in SQL and past experience using BI tools

CircleUp harnesses the power of  machine learning and predictive analytics  to discover some of the fastest-growing companies in the consumer & retail sector and help them thrive.   Our vision  is to create a transparent and efficient market that drives innovation for all.  Our  Credit team  provides affordable and flexible working capital loans to high growth consumer brands.  You will be building the tools, processes and analyses to drive sound decision making throughout our program, including managing portfolio risk and performance.  We are seeking an experienced professional with a history of delivering data insights to improve credit performance and program health.  The position requires an entrepreneurial and team-oriented mindset, ready to build something new. The ideal candidate shares a passion and commitment to our mission to help entrepreneurs thrive, and a tenacity to develop new ways to advance that mission with data science and analytics. Responsibilities : Develop a data and analytics framework needed to improve processing and decision making throughout the Credit program Own long-term credit risk performance for the business Continue to incorporate and adopt Helio data and insights throughout our lending program Lead cross team collaboration across multiple business groups, including data science, business operations, marketing, and CircleUp Credit Advisors Successful candidates will ideally possess: Expertise at architecting, implementing, and interpreting risk models in conjunction with data science teams Understanding of fundamentals for small business credit underwriting (accounting metrics, bank statements, etc) Collaborative mindset and excited to tackle problems with a high degree of ambiguity Passion to build an innovative credit risk system to help small business creation Experience in CPG industry with insight into the trends and needs of large and small companies today Persistence typically associated with being a founder. This trait will not only serve you well in building CircleUp but also in interacting with the founders we are here to serve. Infectious enthusiasm to create something that helps entrepreneurs to thrive High on integrity, grit, growth mindset, and compassion

As a company that underwrites and services loans, we understand that fraud prevention and exceptions handling are crucial to our business. The Risk Operations Trainer will ensure that the Risk Operations team is fully equipped to assess complex cases in an effort to detect and prevent fraud and financial crimes. WHAT YOU'LL DO Design training curriculum and continuous improvement program to successfully onboard and develop Risk Operations teammates who use various monitoring systems, tools and reports to execute counter measures to identify questionable transaction patterns that may indicate common fraud scenarios Facilitate onboarding and ongoing training to enable the team’s ability to meet their goals Establish quality assurance program to catch and correct wrong behaviors and/or identify product, process or policy enhancements Create and maintain knowledge base and learning resources  Manage the delivery of product, process and policy changes by reviewing product specs, analyzing existing processes, collaborating with key stakeholders and documenting procedures   WHAT WE LOOK FOR Bachelor’s degree  Previous change management and/or training experience Understanding of training principles, tools and best practices Passion and drive to change consumer banking for the better Team player with the ability to collaborate and be sensitive of others Excellent listening and problem-solving skills with keen attention to detail and organizational skills Proactive thinking, constantly seeking improvement opportunities in work Excellent verbal and written communication skills, including training content development and presentations Willingness to travel

As a company that underwrites and services loans, we are extremely attentive to fraud prevention. We will not be successful unless we maintain and scale out our exceptional fraud monitoring and deterrence processes, keeping would-be fraudsters at bay. WHAT YOU'LL DO Regularly review suspicious account activities, spot trends and identify links to deter fraud attacks Research emerging fraud trends and propose solutions to our decisioning systems Research and resolve risk events stemming from process breakdowns Provide research support on a variety of other investigations Develop and monitor action plans to address risk escalations Influence development risk models and review procedures WHO WE LOOK FOR Passion and drive to change consumer banking for the better Minimum 3 years of experience in Risk Operations with a specific emphasis in fraud investigations Excellent analytical and problem solving skills Experience in querying databases with SQL ABOUT AFFIRM   At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable cheaper, friendlier and more transparent financial products and services that improve lives.   We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.   We are based in San Francisco; founded by Max Levchin (founding CTO of PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.

As a company that underwrites and services loans, we are extremely attentive to fraud prevention at Affirm. We will not be successful unless we maintain and scale out our exceptional fraud monitoring and deterrence processes, keeping would-be fraudsters at bay. As a Risk Operations Agent, you will be on the front-line of keeping our platform safe by playing close attention to fraudulent activity and taking the necessary steps to stop it. WHAT YOU'LL DO Regularly review suspicious account activities, spot trends and identify links to deter fraud attacks Work collaboratively with our Back Office team to resolve incoming customer complaints Research and resolve unauthorized claims and charge disputes Influence development of risk models and review procedures WHAT WE LOOK FOR Passion and drive to change consumer banking for the better 1-2 years of relevant job experience A keen eye for detecting and deterring fraud and risk Excellent analytical and problem solving skills Working knowledge of SQL and some programming language preferred ABOUT AFFIRM   At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable cheaper, friendlier and more transparent financial products and services that improve lives.   We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.   We are based in San Francisco; founded by Max Levchin (founding CTO of PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.

The Consumer team is building out new products and business lines that improves financial health for Affirm’s customers.  As a Senior Business Analyst, you’ll help define and scale growth initiatives using analytical rigor, business acumen, and a drive for impact.  We’re looking for strategic thinkers who want to get their hands dirty and help grow new initiatives from the ground up.     What You’ll Do Develop and operationalize strategy for direct-to-consumer products that improve financial health Build business cases and lead quantitative analysis to inform business strategy, product decisions, and go-to-market approach Assess new growth opportunities and deliver actionable recommendations Drive execution by launching and leading cross-functional initiatives Help test growth hypotheses through pilots and experimentation What We Look For 3-5 years of experience in finance, consulting, business development, or a strategic operations role (“Pre-MBA” candidates welcome) Strong interest in financial technology, consumer lending, or e-commerce Demonstrated ability to think analytically and strategically in order to ramp up quickly on new industries and verticals Collaborative and outgoing team player excited to work cross-functionally and build relationships Proactive leader that can seek out new opportunities, drive projects, navigate ambiguity, and develop creative solutions with minimal guidance Able to deliver quantitative rigor and fact-based insights from internal and external data and financials

Affirm is a data-driven financial technology company. Machine learning is core to our decision making processes, from validating identities and detecting fraud, to credit underwriting and servicing. We seek to revolutionize the credit system by building higher quality alternatives to incumbent systems and methods.   We are looking for a Data Science to lead our Fraud centric efforts. You will be a technical leader within the data science team, leading a team of data scientists that will be responsible for the fraud related decisioning at Affirm.   What you'll do Designing and developing machine learning systems that support our identity verification and fraud detection Create and maintain business logic and other decision models Research and develop tools to create signals, models, with effective evaluation of potential online Effectively planning, coordinating, and communicating within the team, and cross-functionally with engineering and operations What We Look For Passion and drive to change consumer banking for the better 5+ years industry experience Strong proficiency and industry experience building and leading the development of machine learning based fraud systems Deep understanding of models, feature engineering, feature selection, and other applied ML issues Experience in Python or other similar language is required Data Science management experience Finance and credit experience is a plus, specific fraud related experience is desired but not required ABOUT AFFIRM   At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable friendlier and more transparent financial products and services that improve lives.   We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.   We are based in San Francisco; founded by Max Levchin (founding CTO PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.

Affirm is a technology and data-driven finance company. We are mining vast amounts of data to successfully rewrite the rules on how credit is evaluated. Our Data Scientists play an absolutely pivotal role in the company, writing the models that allow us to evaluate the creditworthiness of our users in unprecedentedly holistic, efficient, and accurate ways. What You'll Do Build production fraud and credit machine learning models; your models will decide who we lend to in real time Conduct ad-hoc data analyses; your analyses will decide which policies we adopt, where we expand our business, and whom our partners will be What We Look For Passion and drive to change consumer banking for the better 2+ years industry experience or PhD in related field Deep understanding of and experience with machine learning and data analysis Strong programming ability, preferably in python Advanced degree preferred ABOUT AFFIRM At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable friendlier and more transparent financial products and services that improve lives.   We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.   We are based in San Francisco; founded by Max Levchin (founding CTO of PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.

Do you love making data-driven decisions? Are you fed up with how slow big banks move? Do you want to work in a fast-paced environment with brilliant people? Come join us in our mission to change consumer finance through better technology, lower costs, and increased transparency while providing the best customer experience. We’re looking for a smart individual who wants to learn, grow, and solve hard problems. WHAT YOU’LL DO Quantitative analysis on Affirm's loan portfolio Design and test new credit policies Consumer and Merchant pricing Assist in new product formation and new markets exploration Drive company wide strategies, getting consensus from various stakeholders Manage external reporting and present to investors (debt and equity) Monitor macroeconomic trends impacting loan performance and drive adjustments to our underwriting and marketing strategies to mitigate risk WHAT WE LOOK FOR Passion and drive to change banking, payments and online marketing for the better 4-6 years’ work experience as an business analyst/manager in product/marketing/credit Experience with SQL, Python, or other scripting languages Enough laziness to find a faster way to do your least favorite tasks Grit. Lots of grit. You’ll wear 7 hats and not love all of them Intelligence + Humility. Hubris is the fastest way to blow up a bank! ABOUT AFFIRM At Affirm we are using technology to re-imagine and re-build core parts of financial infrastructure to enable friendlier and more transparent financial products and services that improve lives.   We believe the financial industry is fundamentally broken. Not only is the core infrastructure built with technology from the 1970s, but there are a dwindling number of people who say "I trust my bank to look out for me". It doesn’t have to be this way, and it’s our mission to fix this problem.   We are based in San Francisco; founded by Max Levchin (founding CTO of PayPal), Jeff Kaditz (CDO DeNA/ngmoco), and Nathan Gettings (founding CTO of Palantir); and building a team of exceptionally talented people to join us on our mission.