Payments & Fraud Analyst

Discord•San Francisco, CA

2d•$144,000 - $162,000•Remote

About The Position

Discord's Payments, Fraud & Risk team enables revenue growth and protects Discord's financial health by managing payments optimization and fraud risk as a strategic function. The team operates across three core areas: identifying and mitigating large-scale fraud to enable clean revenue, optimizing the cost of payments through chargeback strategy and card network fee mitigation, and partnering with Product, Revenue, and Engineering early to surface and address fraud risk. As Discord matures, this team serves as the connective tissue between Payments Strategy, Engineering, Legal, Product, and Revenue — embedding fraud and financial risk expertise into everything Discord does, with a bias toward enabling growth. As a Payments & Fraud Analyst on Discord's Payments, Fraud & Risk team, you will own one or more of the team's core functions end-to-end — leading cross-functional programs, shaping fraud and payments strategy, and driving the fraud risk decisions that let Discord launch products with confidence and maximize clean revenue.

Requirements

4–5+ years of experience in payments, fraud, or risk operations, with direct, hands-on exposure to card network rules, chargebacks, and dispute processes
Deep working knowledge of payments flows, card network rules (Visa, Mastercard, Amex, etc.), and chargeback/dispute processes
Proficiency in SQL, with hands-on experience querying and analyzing large datasets to drive fraud and payments decisions
Experience building reporting and monitoring workflows using BI and alerting tools (e.g., Mode, Datadog, or equivalent)
Proven ability to independently own an end-to-end function and execute mid-size programs with minimal oversight, making judgment calls that weigh business impact and tradeoffs
Comfort navigating ambiguous problems where the issue is known but the right solution requires evaluating multiple options, with the ability to anticipate near-term risks and proactively flag or mitigate them
Strong written and verbal communication skills, with the ability to translate complex, technical findings into business-impact narratives for cross-functional and senior stakeholders
Experience mentoring others or serving as a technical resource on a team, with a collaborative, cross-functional operating style comfortable navigating differing viewpoints with peers across Engineering, Legal, Product, and Revenue

Responsibilities

Own high-scale fraud detection and mitigation, payments operations, and risk assessment within your assigned area end-to-end — from strategy through execution and post-launch measurement
Lead high complexity fraud investigations, perform root cause analyses, and translate findings into concrete proposals for rule improvements and cross-functional action
Write SQL queries to analyze fraud and payments data, and build reporting and monitoring dashboards and alerts (e.g., Mode, Datadog) that track performance and inform decision-making
Program manage cross-functional initiatives with Engineering, Legal, Payments Strategy, Product, Revenue, and other partners — setting milestones, managing dependencies, and driving delivery
Contribute to risk assessments for new product launches, identifying fraud exposure early and executing mitigation strategies
Communicate the business impact of your work to cross-functional stakeholders — pre, during, and post-launch — adjusting level of detail based on audience
Mentor junior team members and contribute to team-wide quality and knowledge sharing