Join Happen Bank’s Fraud and Data Science team to transform complex data into actionable fraud strategy insights.

Analyze large, complex datasets using SQL and Python to surface fraud patterns, emerging risks, and decision-making opportunities
Help develop and implement fraud detection approaches, including rules and models, aligned to data analysis and business needs
Monitor fraud trends, loss metrics, strategy performance, and key indicators; investigate anomalies and convert results into actionable recommendations
Create and maintain dependable queries, dashboards, and reporting following established data and business intelligence standards
Assess new internal and external data sources, features, and analytical techniques for predictive value, data quality, and practical use
Produce repeatable monitoring processes for model and strategy performance, data accuracy, and changes in population behavior
Partner with cross-functional teams to map business questions to analytical methods, supporting solutions from analysis through implementation
Use AI-assisted tools when appropriate to accelerate exploration, coding, and documentation while validating outputs and protecting sensitive data

2+ years of experience in data science, fraud analytics, decision science, or a related analytical function
Bachelor’s degree or higher, or an equivalent mix of education and experience
Hands-on SQL and statistical programming experience (such as Python) working with large datasets and producing reproducible analysis
Working knowledge of statistical analysis, data visualization, and measuring model or strategy performance
Ability to translate analytical findings into clear recommendations for both technical and business stakeholders
Takes ownership of assigned work, asks thoughtful questions, and incorporates feedback to improve quality and outcomes
Uses sound judgment with sensitive data and new methods, balancing speed with accuracy, explainability, and risk
Practical familiarity with AI tools, with the judgment to apply them to real-world analytical problems
Collaborates with humility, adapts to shifting priorities, and brings curiosity, integrity, and a problem-solving approach

Experience in fraud, credit risk, financial services, e-commerce, or other high-volume digital environments
Experience with Tableau or another business intelligence and visualization platform
Exposure to feature engineering, predictive modeling, model monitoring, or experimentation

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
Long-term awards (equity)
Annual bonus (based on company performance, employee performance and eligible earnings)
Relocation (based on actual job level)

San Francisco, CA (hybrid)
Teams are in-office Tuesdays, Wednesdays, and Thursdays
In-person attendance is essential for this role’s success; remote placement will not be considered
Local hours (PT)
Ideal candidate is flexible working across time zones when necessary
As needed travel to Happen Bank offices and/or other locations

Salary: USD 125,000 - 145,000 per year

For select roles and locations, candidate interviews may be recorded, transcribed and summarized by tools such as artificial intelligence (AI) to assist hiring managers with the application process
Candidates can opt out of recording, transcription, and summarization prior to scheduled interviews
No discrimination if you choose to opt out
Any recording will be deleted promptly, but in no event later than 30 days after making a hiring decision

Associate Data Scientist, Fraud Strategy

Job Description