Strong fundamentals in software engineering and problem solving
4+ years of professional coding experience, shipping products
Product sense focused on user experience and problem resolution
Strong data querying skills with a hands-on approach
Genuine interest in identifying and solving adversarial problems
Responsibilities
Improve the card transaction experience by resolving declines and user friction
Enhance the card program by identifying issues and implementing solutions
Detect and analyze patterns of fraud and abuse
Manage the fraud detection stack, including rules and monitoring tools
Investigate live fraud cases through data analysis and pattern recognition
Develop internal tools and dashboards to boost team effectiveness
Benefits
Competitive salary, performance-based incentives, and token allocation grant
Opportunity to work on multi-billion dollar products with a small team
Health, dental, and vision insurance plans
Global team with travel opportunities across three offices
4 weeks of remote work flexibility
Engaging company events and team-building off-sites
Full Job Description
Position overview
We're looking for a strong engineer to join credit card transaction team in ether.fi and contribute to the success of credit card program and the risk systems that sit on top of it.
The first pillar is the transaction stack: card authorization and every decline that shouldn't have happened. You will look into what's causing the user frictions based on the declines transactions and come up with pro-active solutions to prevent them.
The second pillar is fraud and risk. Today our defense is largely reactive; you will make it proactive on both sides of the line. Build the rules, monitoring, and internal tooling, and also use them: pull the data yourself, investigate the cases, work out what the attacker actually did, and turn that into the rule that catches it next time.
You'll work closely with Product, CX, and Compliance, and directly with our card program and fraud vendors.
What you'll do
Improve the card transaction experience: hunt down and eliminate the causes of declines, failed authorizations, stuck holds, and the frictions users actually hit when they spend
Make the card program better as a product; find where it breaks for real users, propose the fix, ship it
Hunt fraud and abuse patterns: card testing, cashback farming, merchant abuse, friendly fraud, trial and force-post abuse, multi-account rings
Own our fraud stack: rules, queues, and scoring logic in Sardine, plus real-time monitoring, alerting, and automated mitigation
Investigate live cases hands-on; query the transaction data, root-cause the pattern, and propose the rule or control that stops it recurring
Build internal tools, dashboards, and scripts that make our risk and CX teams dramatically more effective
What we are looking for
Strong fundamentals in software engineering and problem solving
4+ years of professional coding experience, shipping products
Product sense; you care about the person on the other side of a declined transaction, and you'd rather fix the cause than close the ticket
Comfortable in the data, not just the codebase; strong instinct to dig into the data by querying it rather than asking someone else to
Genuine interest in adversarial problems; you find it satisfying to stare at noisy transaction data and spot the pattern that shouldn't be there, then explain why it's there
Plus if you have
Worked at a fintech, neobank, card issuer, or issuer processor
Experience on the card issuing side, or with a card transaction processor
Knowledge of card and payment fraud mechanics: card testing, BIN attacks, friendly fraud, merchant collusion, cashback farming
Built on a fraud decisioning or transaction monitoring platform, and sat on the operational side of one
Run fraud investigations or disputes yourself, not only supported the people who do
Perks and benefits
Competitive salary, performance-based incentives, and token allocation grant
Opportunity to work on multi-billion dollar products as part of a small team
Health, dental, and vision insurance plans
Global team with opportunity for travel and working out of our 3 offices around the world
4 weeks work from anywhere
Exciting company events and team-building off-sites
