Risk Decision Scientist Remote Data & Risk - Americas - Risk Data Science - Americas

WHO WE ARE

At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide.

Our Ambition:
To build the world’s most disruptive payment network and redefine what the payment experience should feel like.

Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays.

ABOUT THE ROLE

We are building an exciting new Risk Decision Science team lding on a strong foundation of risk, data science, and machine learning, we are expanding our capabilities with advanced analytical leaders who will shape strategy, own transaction decisioning, and partner with some of the largest companies in the world to manage complex bank risk, spanning from credit to fraud and abuse.

As a Risk Decision Scientist, you will play a critical role in protecting Trustly and our merchants while balancing fraud prevention, credit performance, recovery outcomes, and customer experience. This is a highly strategic, analytical role where you’ll identify systemic weaknesses, close gaps before fraudsters exploit them, and reduce friction for good customers. If this sounds like work you love, we’d love to talk.

• 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.

• 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.
• Experience with analytical visualization tools such as Tableau, Quick Sight, Mode, or Looker is a plus.
• 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…