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About the Role
As a Senior Data Scientist on Fraud Analytics, you will own the prediction side of our fraud loop. You will turn labels into features and models, measure their accuracy, and shift Circle from vendor scores to in-house models. You will work with Fraud Strategy, Fraud Operations, Risk Engineering, and Compliance.
Responsibilities
- Build and evaluate fraud models for onboarding, login, account changes, and money movement, targeting risks like account takeover, scams, money mules, and stolen/synthetic identity.
- Evaluate third-party risk signals and design the transition from vendor models to in-house models, including shadow mode and production deployment.
- Define label taxonomy and data requirements with Fraud Operations and Risk Engineering to ensure all events, decisions, and outcomes become training data, including missed fraud.
- Design holdout and exploration sampling to measure false negatives and the rate of wrongly blocked customers.
- Track fraud rate, dispute rate, fraud loss rate, and precision across customer segments, and help set thresholds against an agreed loss budget.
- Work with Fraud Strategy to tune thresholds and rules and respond to emerging attacks.
- Backtest, monitor model drift, and retrain models on Circle’s fraud platform.
- Help build AI agent workflows for transaction review, fraud-ring analysis, and rule drafting, and evaluate their accuracy against human labels.
Requirements
- 5+ years in data science or applied ML on fraud, risk, or financial crime.
- Advanced Python and SQL, and experience with XGBoost, LightGBM, or similar.
- Experience building models with sparse, delayed, or biased labels, including cold start, reject inference, and chargeback lag.
- Strong statistics: anomaly detection, graph or network methods, experimentation, and threshold optimization.
- Experience taking models to production and monitoring them.
- Clear communication with technical and non-technical partners.
- Comfort working through ambiguity and limited historical data.
- Fintech, payments, crypto, or card fraud experience, including chargebacks and disputes.
- Experience with device intelligence, behavioral signals, or consortium data.
- Familiarity with blockchain analytics, AML, and KYC.
- Experience evaluating LLM or agent-based review workflows.
Skills
- Python
- SQL
- XGBoost
- LightGBM
- Anomaly detection
- Graph methods
- Network methods
- Experimentation
- Threshold optimization
- Device intelligence
- Behavioral signals
- Consortium data
- Blockchain analytics
- AML
- KYC
- LLM
Location
- Remote
Work Type
- Remote
Experience Level
- 5+ years
Salary/Compensations
- $152,500 - $205,000
About the Company
- Circle (NYSE: CRCL) is one of the world’s leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure.
- Circle's platform includes the world’s largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet.
- Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation.
- Circle is committed to visibility and stability in everything we do.
- As we grow as an organization, we're expanding into some of the world's strongest jurisdictions.
- Speed and efficiency are motivators for our success and our employees live by our company values: High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence.
- We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.
- Circle is on a mission to create an inclusive financial future, with transparency at our core.
Equal Opportunity
- We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire.
- Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
- Should you require accommodations or assistance in our interview process because of a disability, please reach out to accommodations@circle.com for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.