Staff Data Scientist, Payments and Fraud

Courtyard Inc.

3d • Remote

About The Position

Courtyard is hiring a Staff Data Scientist to own fraud, risk, and payments analytics and models. This is an embedded role to the payments and fraud team, and it comes with real autonomy: you'll decide what we detect, how we measure loss, and where the tradeoff sits between stopping abuse and getting in a good customer's way. You'll work across engineering, operations, finance, and product.

Requirements

• 6+ years of industry DS/analytics experience, with meaningful time on fraud, risk, trust and safety, or payments
• Self-driven — you find the exposure nobody flagged and come back with a recommendation, not an observation
• Proven experience building high-volume risk evaluation systems and conducting complex vector analysis. You know how to build rules, run experiments, and hit the ground running.
• Comfort operating where labels are late, ambiguous, or contested
• Strong graph and network thinking, paired with excellent judgment about asymmetric costs (for example, balancing false positives against fraud loss).
• Payments depth (disputes, authorization, card network monitoring programs), identity verification, on-chain analytics, or two-sided marketplaces

Responsibilities

• Own detection end to end — from finding the signal, to the model or rule, to something running in production that changes an outcome
• Build the resolution and network analysis that surfaces coordinated behavior rather than one bad account at a time
• Own how we measure risk
• Partner with marketing and product to pressure-test incentive and referral mechanics before launch, not after
• Own the analytical case for our identity and payments risk vendors
• Analyze disputes, chargebacks, and authorization performance, and manage the approval-versus-loss tradeoff deliberately
• Work with operations on review queue design — what escalates, what gets decided automatically, and where reviewer time is worth spending
• Make risk exposure legible to leadership

Benefits

• Comprehensive health insurance packages with dependent coverage
• Competitive salary with ample opportunities for career advancement and development
• Flexibility of a fully remote work environment
• 401(k) plan with a 4% employer match
• $100 monthly dogfooding stipend to support trying out our products firsthand
• Access to employee wellness programs designed to support your overall well-being

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed