About the Role

The Fraud and Data Science team uses internal and external data to detect, prevent, and mitigate fraud across Happen Bank. As an Associate Data Scientist, you’ll turn complex data into actionable insights, develop analytical solutions that strengthen fraud strategies, and partner across Fraud, Risk, Product, Technology, and Operations while building deeper technical and business expertise.

What You'll Do

• Analyze large, complex datasets using SQL and Python to identify fraud patterns, emerging risks, and opportunities to improve decision-making 

• Support the development and implementation of fraud detection strategies, rules, and models based on data analysis and business requirements 

• Monitor fraud trends, loss metrics, strategy performance, and key indicators, investigating anomalies and translating findings into actionable insights 

• Build and maintain reliable queries, dashboards, and reporting using established data and business intelligence standards 

• Evaluate new internal and external data sources, features, and analytical techniques for predictive value, data quality, and practical application 

• Develop repeatable processes to monitor model and strategy performance, data accuracy, and changes in population behavior 

• Partner with cross-functional teams to translate business questions into analytical approaches and support solutions from analysis through implementation 

• Use AI-assisted tools where appropriate to accelerate exploration, coding, and documentation while validating outputs and protecting sensitive data 

About You

• 2+ years of experience in data science, fraud analytics, decision science, or a related analytical role 

• Bachelor's degree or higher, or equivalent combination of education and experience 

• Hands-on experience using SQL and a statistical programming language such as Python to work with large datasets and produce reproducible analysis 

• Working knowledge of statistical analysis, data visualization, and model or strategy performance measurement 

• Ability to translate analytical findings into clear recommendations for technical and business audiences 

• You take ownership of assigned work, ask thoughtful questions, and incorporate feedback to improve quality and outcomes 

• You use sound judgment when handling sensitive data and applying new methods, balancing speed with accuracy, explainability, and risk 

• You have practical familiarity with AI tools, understand their strengths and limitations, and are ready to apply that judgment to real-world analytical problems 

• You collaborate with humility, adapt to changing priorities, and bring curiosity, integrity, and a problem-solving mindset

Nice to Have

• Experience in fraud, credit risk, financial services, e-commerce, or another high-volume digital environment

• Experience with Tableau or another business intelligence and visualization platform

• Exposure to feature engineering, predictive modeling, model monitoring, or experimentation

Work Location
San Francisco 
 
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role’s team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role’s success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.  
 
Time Zone Requirements  
Local hours (PT)  
 
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary. 
 
Travel Requirements  
As needed travel to Happen Bank offices and/or other locations, as needed.  
 
Compensation  
The target base salary range for this position is 125,000-145,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings). 
 
We’re creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.  
 
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