Machine Learning Engineer - Fraud

The role

You will lead the first dedicated ML team to own the fraud and risk intelligence layer. You will build capabilities using transaction and behavioral data to optimize approval rates and improve fraud detection.

What you will do

• Strengthen fraud detection and risk decisioning capabilities through feature engineering, model development, and production deployment
• Own the full model lifecycle including experimentation, evaluation, monitoring, and iteration
• Define and track core fraud and risk metrics
• Explore transaction and behavioral data to surface new fraud signals and emerging attack patterns
• Partner with Engineering, Product, and Operations to embed fraud intelligence into payment flows and internal tooling
• Integrate and orchestrate external fraud/risk partners
• Establish the foundation for ML and data practices across the company
• Help shape the long-term fraud, risk, and ML roadmap

Required qualifications

• 5+ years in machine learning, applied data science, or production ML roles
• Demonstrated experience building fraud models in payments, with direct exposure to the acquiring side — acquirer, PSP, or payment facilitator
• Proven track record taking ML projects from proof-of-concept to fully deployed, productionized systems
• Deep familiarity with acquiring-side fraud dynamics: authorization fraud, card-not-present fraud, friendly fraud, chargeback patterns, and merchant risk
• Strong foundation in ML, statistics, and feature engineering on high-volume financial data
• Comfortable owning ambiguous problems end-to-end and creating structure where none exists
• Strong collaborator across Engineering, Product, and Ops

Nice to have

• Experience at an acquirer, ISO, PayFac, or payments infrastructure company
• Experience developing, managing, and scaling MLOps pipelines and monitoring systems
• Experience scoping cloud compute requirements for scalable ML workloads
• Familiarity with card network rules, dispute/chargeback workflows, and fraud liability frameworks
• Experience as an early or sole ML hire at a startup
• Exposure to real-time or near-real-time fraud scoring systems
• Experience with stablecoin, crypto, or alternative payment rails

Benefits

• Competitive compensation including base salary, performance bonus, and meaningful ownership
• Health and wellness benefits
• 401(k) savings plan
• Flexible time off

About the company

Coinflow is a payment service provider specializing in stablecoins, AI-driven fraud prevention, and instant settlement. Headquartered in Chicago, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.