数据科学家 - 欺诈风险
Data Scientist - Fraud Risk
### **关于公司**
Rain 让全球范围内的下一代支付成为可能。我们是一支精干而强大的团队，由充满热情的开发者和经验丰富的创始人组成。我们的基础设施通过支持卡片交易、跨境支付、企业采购、汇款等，使稳定币在现实世界中可用。我们与金融科技公司、数字银行和机构合作，帮助他们推出具有全球性、包容性和高效性的解决方案。你将有机会在一个由金融科技、加密货币和 SaaS 领域顶级投资者资助的高速成长公司中产生巨大影响，这些投资者包括 Sapphire Ventures、Norwest、Galaxy Ventures、Lightspeed、Khosla 等。如果你充满好奇心、勇敢且热衷于塑造无国界的金融未来，我们期待与你交流。
### **我们的理念**
我们相信开放和平等的结构。你将能够成长为最符合你目标的角色。所有层级的团队成员都有自由探索想法，并影响公司的路线图和愿景。
### **关于团队**
Rain 的欺诈风险管理部门创建了复杂且可扩展的风险缓解方案，以保护我们的客户并为其提供低摩擦体验。我们通过维护交易和生命周期事件监控、构建警报以加快欺诈检测和响应、以及利用机器学习模型创建风险规则和策略来实现这一目标。我们是业务的核心，支持新产品并确保其成功。Rain 的下一代支付技术带来了独特的新型欺诈手段，需要全面的端到端思维、扎实的数据基础和欺诈管理经验来应对。
### **你将负责**
- 负责影响业务战略和决策的指标、仪表盘和报告
- 设计并实现用于欺诈信号和警报阈值的实时监控系统
- 利用实时和离线预测机器学习模型设计、模拟并实现实时风险控制
- 在风险控制与用户体验之间取得平衡，专注于损失节约、减少用户摩擦和提升利润率
- 与市场推广团队合作，向客户展示风险控制的技术和商业价值
- 向领导层和非技术人员有效总结复杂的分析结果
- 当合作伙伴对流量存在欺诈担忧时提供协助
### **我们寻找的人**
- 精通 SQL 和 Python
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### **About the Company**
Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.
### **Our Ethos**
We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.
### **About the Team**
The fraud risk management team at Rain creates sophisticated, scalable risk mitigation solutions to protect our customers and provide them a low-friction experience. We achieve this by maintaining transaction and lifecycle event monitoring, building alerts to speed up fraud detection and response, and creating risk rules and strategies empowered with ML models. We are a pillar of the business supporting new products and ensuring their success. Rain’s next generation payment technology brings unique and new fraud vectors requiring holistic, end-to-end thinking, strong data fundamentals and fraud management savvy to combat.
### **What you’ll do**
- Own the metrics, dashboards, and reports that inform business strategy and decision-making
- Design and implement real-time monitoring systems for fraud signals and alerting thresholds
- Design, simulate, and implement real-time risk controls using real-time and offline predictive ML models
- Balance risk controls with customer experience by focusing on loss savings, reduced user friction, and margin improvement
- Partner with go-to-market teams to demonstrate the technical and business value of risk controls to customers
- Effectively summarize complex analytical results to leadership and non-technical stakeholders
- Assist partners when they have fraud concerns with their traffic
### **What we're looking for**
- Advanced proficiency in SQL and Python
- 3+ years hands-on experience working on automated fraud risk strategies and experimentation (A/B tests), including implementation of real-time and offline predictive ML models
- Skilled in designing, building, and maintaining dashboards and fraud risk metrics
- The ability to manage ambiguous problems and find solutions
- High autonomy, including the ability to prioritize your workload effectively
- Relevant quantitative bachelor’s (or higher) degree (Statistics, Mathematics, Engineering, Computer Science, etc.)
### **Nice to have, but not mandatory**
- Experience at a high-growth fintech company or financial services company
- Exposure to customer-facing or GTM-facing analytics or fraud issue triaging
- Background in identity risk, AML, payments fraud, or compliance analytics
- Fluency in AI-assisted data analysis / data science tooling
### **Things that enable a fulfilling, healthy, and happy experience at Rain:**
- **Unlimited time off** 🌴 Unlimited vacation can be daunting, so we require Rainmakers to take at least 10 days off.
- **Flexible working** ☕ We support a flexible workplace. If you feel comfortable at home, please work from home. If you’d like to work with others in an office, feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will receive a stipend to create a comfortable home environment.
- **Easy to access benefits** 🧠For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan.
- **Retirement goals** 💡Plan for the future with confidence. We offer a 401(k) with a 4% company match.
- **Equity plan** 📦 We offer every Rainmaker an equity option plan so we can all benefit from our success.
- **Rain Cards** 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission, we issue a card for our team to use for testing.
- **Health and Wellness** 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!
- **Team summits** ✨ Summits play an important role at Rain! Time spent together helps us get to know each other, strengthen our relationships, and build a common destiny. Expect team and company off-sites both domestically and internationally.