As a E-Payments Risk Data Scientist (Machine Learning), you will design, build, and optimize fraud and credit risk models that protect our clients and their customers across electronic payments. You will partner closely with product, risk, technology, and client-facing teams to translate data-driven insights into effective fraud strategies. Your work will help reduce losses, improve client outcomes, and strengthen trust in our digital payment solutions.

What you'll do:

• Analyze fraud patterns and trends in electronic payments to identify emerging attack vectors and actionable insights.

• Design, test, and implement new fraud models and strategies, including rules and machine learning approaches, to improve detection and minimize false positives.

• Develop and optimize fraud and credit risk models for additional products and channels, ensuring solutions are scalable and maintainable.

• Execute the full modeling lifecycle, including data collection, data quality checks, feature engineering, model development, validation, performance monitoring, and production deployment.

• Present analytical findings, model performance, and recommendations to internal stakeholders and clients, translating complex statistical concepts into clear, business-focused messages.

• Investigate and evaluate new data sources to determine their predictive value and integrate them into existing and new fraud models where appropriate.

• Collaborate in the design and development of new products and services related to fraud detection and prevention, advising on data and modeling requirements.

• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

• 2+ years of analytics experience in risk, fraud, or credit domains using tools such as Python, SQL, or similar, including end-to-end work with large datasets.

• 2+ years of experience in developing and deploying predictive models, including classification models, within financial services, payments, fintech, or a related industry.

• Experience designing and executing the full modeling cycle, including data collection, exploratory data analysis, feature engineering, model estimation, performance evaluation, and production implementation using tools such as Python (for example, Pandas, scikit-learn, TensorFlow).

• Experience explaining statistical and machine learning concepts to non-technical stakeholders in client-facing or cross-functional settings, including the ability to create clear visualizations and presentations.

• Experience writing production-quality Python code to collect and prepare data, estimate models, summarize results, and deliver code for model deployment in collaboration with engineering or operations teams.

• Experience using SQL (for example, PL/SQL or similar) to develop queries, scripts, or stored procedures to support automated data collection and model input pipelines.

• Bachelor’s degree or higher in Statistics, Mathematics, Engineering, Finance, Data Science, Computer Science, or related field or equivalent combination of education, related experience and/or military experience.

Experience that would be great to have:

• Experience working in fintech or e-commerce fraud prevention, including card-not-present or digital payments use cases.

• Experience with big data and cloud-based analytics environments such as Spark, Azure, or Databricks, including running Python notebooks and working with streaming data (for example, Kafka).

• Experience in consulting or client-facing roles where you delivered analytical solutions, recommendations, or strategies directly to external clients.

• Experience using large language models, code-generation tools, or GPT-based prompts to automate coding tasks, data pipelines, or analytical workflows.

How you'll work:

• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.

• This role requires use of a computer and audio equipment.

Sponsorship:

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Benefits at Fiserv:

• Fuel Your Life program to support your physical, financial, social, and emotional well-being.

• Paid holidays and generous time away policies.

• No-cost mental health support through Employee Assistance Programs.

• Living Proof program to recognize your peers’ extra effort with points redeemable for rewards.

• Eight Employee Resource Groups to foster a collaborative culture and expand your network.

• Unparalleled professional growth with training, development, and internal mobility opportunities.

• Medical, dental, vision, life, and disability insurance options available from day one.

• Retirement planning and discounted shares with the Employee Stock Purchase Plan.

• Tuition assistance and reimbursement program.

• Paid parental, caregiver, and military leave.