Staff Data Scientist, Payments and Fraud

Unchain Data; Northern (KY); Hybrid; USD 150,000 - 230,000; Full time

Benefits offered by this job

Fully remote work environment

Comprehensive health insurance with de

401(k) plan with 4% employer match

$100 monthly dogfooding stipend

Wellness programs

Job summary

Courtyard.io is hiring a Staff Data Scientist to own fraud, risk, and payments analytics and models. This embedded role will decide detection strategies, measure loss, and balance abuse prevention with customer experience across finance, product, and engineering.

Responsibilities include end-to-end detection, network analysis for coordinated behavior, risk measurement, vendor management, and review-queue design. Remote-first, fast-growing startup environment with strong incentives.

Qualifications

• 6+ years of industry data science/analytics experience in fraud, risk, trust and safety, or payments.
• Self-driven; you identify exposure and propose solutions, not just observations.
• High-velocity execution; experience building high-volume risk evaluation systems and conducting vector analysis.

Responsibilities

• Own end-to-end detection from signal to production rules or models.
• Build analysis to surface coordinated behavior rather than single accounts.
• Measure and own risk metrics and thresholds.
• Collaborate with marketing and product to test incentives and referrals before launch.
• Evaluate identity and payments risk vendors and strategies.
• Analyze disputes, chargebacks, and authorization performance; balance risk and loss.

Skills

Fraud analytics

Risk assessment

Payments analytics

Graph/network analysis

Experimentation

Job description

About Courtyard

Courtyard.io is the fastest-growing collectibles startup, ever. We are revolutionizing the world of collectibles trading by enabling instant liquidity and delivering a high-velocity, immersive experience. From trading cards to comics, we're redefining how people discover, collect, and unlock value.

Courtyard is not just another marketplace. All assets are securely vaulted and fully insured, giving collectors peace of mind alongside unmatched speed and simplicity. Whether you're investing, discovering, or curating your dream collection, we've built a platform that's trusted, simple, and built for speed.

We're a remote-first company hiring across all functions to push the boundaries of what's possible in collectibles and digital ownership.

The Role

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.

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

Requirements

• 6+ years of industry data science/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
• High-velocity execution: 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)
• Experience with payments depth (disputes, authorization, card network monitoring programs), identity verification, on-chain analytics, or two-sided marketplaces

Benefits

• A dynamic and engaging environment focused on fostering real growth and innovation
• Opportunities to create amazing products that our customers truly love and value
• Comprehensive health insurance packages with dependent coverage
• Competitive salary with ample opportunities for career advancement and development
• Fully remote work environment
• 401(k) plan with a 4% employer match to help you plan for the future
• $100 monthly dogfooding stipend to support trying out our products firsthand
• Access to employee wellness programs designed to support your overall well-being