Fraud Risk Data Scientist — Identity & KYC

Jobtailor; California (MO); On-site; USD 120,000 - 180,000; Full time

Job summary

Imprint is seeking a senior data scientist to own onboarding fraud decisioning across the full application journey, building identity verification and KYC controls, and developing fraud models.

You will work with Fraud Ops, Product, Engineering, Compliance, and Credit Strategy to productionize changes, monitor model performance, and communicate impact to leadership while protecting card programs and delivering fast, seamless member experiences.

Qualifications

• 5 to 8+ years of experience in data science, risk analytics, or a related quantitative field.
• Strong Python and SQL skills.
• Experience building predictive models for fraud, identity, KYC, AML, or adversarial problems.
• Strong understanding of supervised ML, model validation, backtesting, and monitoring.
• Experience with A/B tests, holdouts, and causal measurement.
• Ability to assess decision systems across loss, false positives, and workflow.
• Experience with Snowflake and AWS, dashboards, and production monitoring.

Responsibilities

• Own and improve onboarding fraud decisioning across the application journey.
• Develop identity verification, KYC controls, application fraud models, policy rules, decline and verification waterfalls, and manual-review strategies.
• Build, validate, deploy, and monitor models detecting identity theft, synthetic identity, first-party fraud, and coordinated application abuse.
• Evaluate third-party fraud and identity vendors using lift, overlap, coverage, stability, latency, and cost metrics.
• Design and analyze A/B tests, shadow tests, holdouts, and champion/challenger strategies.
• Balance fraud losses and capture against approval rate, false positives, verification friction, and manual-review volume.
• Investigate emerging fraud patterns and decision misses using application, post-booking, and Fraud Operations data.
• Build monitoring and AI-powered workflows to detect model drift, population shifts, vendor degradation, data-quality issues, and new attack patterns.
• Partner with Fraud Operations, Product, Engineering, Compliance, and Credit Strategy to productionize changes.
• Validate impact and communicate recommendations to senior leadership and external partners.
• Help protect credit card programs while delivering fast, seamless member experiences.

Skills

Python

SQL

Fraud Modeling

A/B Testing

Model Validation

Feature Engineering

Production Monitoring

Data Transformation

KYC/AML

Dashboarding

AWS

Tools

Snowflake

AWS

Dashboarding

Monitoring

AI Tools

Job description

Imprint is seeking a senior data scientist to own onboarding fraud decisioning across the full application journey, building identity verification and KYC controls, and developing fraud models.

You will work with Fraud Ops, Product, Engineering, Compliance, and Credit Strategy to productionize changes, monitor model performance, and communicate impact to leadership while protecting card programs and delivering fast, seamless member experiences.