Senior Data Scientist

ARQ; New York (NY); Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Stock options

Discretionary performance bonus

Competitive salary and benefits

The latest tools and technology

Job summary

ARQ is building an ambitious financial platform with a focus on AI-driven risk and fraud protection. We seek a Senior Data Scientist to own the intelligence layer behind ARQ's financial products across the Americas.

You will develop ML models for fraud detection, risk scoring, and production-grade decisioning, partnering with product, engineering, and operations to scale impact for millions of customers.

Qualifications

• 5+ years of experience across Data Science, Machine Learning, Software Engineering, or related disciplines.
• Strong Python skills and experience working with large-scale datasets.
• Proven experience developing and deploying machine learning models in production environments.
• Strong understanding of supervised learning techniques, particularly classification problems.
• Experience with anomaly detection, fraud prevention, risk modeling, or related domains.
• Ability to translate business challenges into data-driven solutions.
• Experience working cross-functionally with Product, Engineering, and business stakeholders.
• Strong communication skills and a pragmatic approach to problem-solving.
• Comfortable operating in fast-moving environments with high ownership.

Responsibilities

• Design, build, and deploy machine learning models that solve real-world financial crime and risk challenges.
• Work on problems such as fraud detection, chargeback prediction, anomaly detection, identity verification, and transaction monitoring.
• Transform ambiguous business problems into measurable ML solutions.
• Partner closely with Product and Operations teams to define requirements, success metrics, and decision frameworks.
• Analyse large datasets to identify patterns, opportunities, and risks.
• Build and maintain production-ready data pipelines and model-serving solutions.
• Monitor model performance and continuously improve accuracy, reliability, and business impact.
• Collaborate with Data Engineering and Backend Engineering teams to operationalise machine learning at scale.
• Help shape the future of AI and machine learning capabilities across ARQ.

Skills

Python

Machine Learning

Data Science

Production ML

Job description

We are building the financial system for the next century. One where control sits in the hands of customers - not banks. Where money moves on rails that are faster, smarter, and radically more efficient. Where wealth management tools help you grow your savings for decades - and build generational wealth. Where fewer intermediaries mean more value stays where it belongs: in our customers' pockets.

We operate with long-term ambition and absolute conviction. We are not here to iterate on the past - we are here to redesign it. This is a defining moment to join us.

We are building what we believe will become one of the most important financial institutions in the world. That requires exceptional talent, relentless standards, and people who care deeply about the work. At ARQ, we are turning the financial system upside down - starting in the Americas. We are nimble, but ambitious. We move fast, learn fast, and innovate relentlessly. Technology is our greatest ally, and execution is our edge. We build as a team. We think long term. We aim for world-class in everything we do. If you are exceptional at what you do - and ready to help redefine finance - we'd love to meet you. Are you ready to build what comes next?

About the team

We believe that small teams of exceptional people outcompete massive companies with mediocre talent. That's why we have assembled a group of people who have done it before at iconic companies like Revolut, Apple, Uber, Amazon, and Block. We've owned some of the most loved and profitable products in the world, delivered transaction platforms operating at massive scale, created beautiful mobile applications - and built things that have changed the lives of millions of people.

We don't believe in 9-to-5 and we don't believe in work-life balance as most companies sell it. We believe building the largest financial institution in the world takes long hours, every day, for years - and we like it that way. If you don't, don't apply.

To reshape the global financial system, we've raised capital from some of the world’s best investors: Sequoia Capital, Founders Fund, Brevan Howard Digital, Y Combinator, and Kaszek Ventures.

Senior Data Scientist, FinCrime

Location

London; New York

Employment Type

Full time

Location Type

Hybrid

Department

What We're Looking For

We're looking for a Senior Data Scientist to help build the intelligence layer behind ARQ's financial products. You'll work on some of our most important risk and financial crime challenges, developing machine learning models that help us detect fraud, prevent losses, and make better decisions at scale.

This is a highly impactful role where you'll take problems from idea to production - partnering with Product, Engineering, and Operations teams to turn large-scale datasets into models that directly influence customer and business outcomes.

You'll join a fast-growing team helping build the future of financial services for more than 2 million customers across the Americas.

What You'll Be Doing

Design, build, and deploy machine learning models that solve real-world financial crime and risk challenges.

Work on problems such as fraud detection, chargeback prediction, anomaly detection, identity verification, and transaction monitoring.

Transform ambiguous business problems into measurable ML solutions.

Partner closely with Product and Operations teams to define requirements, success metrics, and decision frameworks.

Analyse large datasets to identify patterns, opportunities, and risks.

Build and maintain production-ready data pipelines and model-serving solutions.

Monitor model performance and continuously improve accuracy, reliability, and business impact.

Collaborate with Data Engineering and Backend Engineering teams to operationalise machine learning at scale.

Help shape the future of AI and machine learning capabilities across ARQ.

What You'll Need

5+ years of experience across Data Science, Machine Learning, Software Engineering, or related disciplines.

Strong Python skills and experience working with large-scale datasets.

Proven experience developing and deploying machine learning models in production environments.

Strong understanding of supervised learning techniques, particularly classification problems.

Experience with anomaly detection, fraud prevention, risk modeling, or related domains.

Ability to translate business challenges into data-driven solutions.

Experience working cross-functionally with Product, Engineering, and business stakeholders.

Strong communication skills and a pragmatic approach to problem-solving.

Comfortable operating in fast-moving environments with high ownership.

Nice To Have

Experience in financial crime, fraud prevention, AML, risk, or payments.

Experience in fintech, banking, or financial services.

Backend engineering experience and familiarity with production systems.

Experience building real-time decisioning or risk platforms.

Familiarity with modern MLOps practices and model monitoring.

Competitive salary and benefits

Stock options, so you own part of what you build

Discretionary performance bonus

The latest tools and technology

A world-class team that will challenge and grow your skills

The opportunity to help build the best fintech app in Latin America

Office Policy: 3-4 days a week in-office