Staff Analyst - Risk and Fraud Systems

• Join Paddle as a Staff Analyst - Risk and Fraud Systems, working fully remotely from the UK. • Build the data, decisioning and automated systems that let Paddle take more good risk while reducing fraud losses, customer friction and manual work. • Connect seller quality, buyer fraud, payment acceptance, refunds, disputes, reserves and card-scheme exposure, which Paddle's Merchant of Record model means cannot be optimised independently. • Work hands-on at the intersection of risk, data, product, engineering and operations, in a build role rather than a strategy-only role or a large operational team. • Turn risk priorities into working controls and workflows, prove their effect in production and hand repeatable capabilities to durable owners. • Aim within six months to improve a major seller-risk journey and cut the time Fraud/Risk Operations spends on repetitive screening.

• Bring significant experience building or improving merchant- or seller-side fraud detection at a PSP, acquirer, payfac, marketplace or Merchant of Record. • Know how bust-out, transaction laundering and self-dealing show up in the data. • Use SQL (Snowflake, dbt or similar), Python and statistics fluently for hands-on analysis. • Show experience using LLMs on unstructured data such as website content or support tickets, with measured accuracy. • Show experience designing, backtesting and tuning rules and risk scores on point-in-time data when labels are delayed, partial and adversarial. • Treat controls as production systems, with version control, testing, impact analysis, drift monitoring and audit trails. • Express risk trade-offs in money using a method that Finance will sign off. • Work credibly with investigators, operators, product managers, engineers, data scientists and executives.

• Have experience with decision flow systems such as Tactile. • Have worked in a Merchant of Record, payments, marketplace, subscription or other adversarial transactional environment. • Show a record of turning ambiguous cross-functional problems into adopted systems with measurable results. • Show good judgement about when a problem needs a rule, workflow, experiment, vendor, model or agent, and when it needs none.

• Map the end-to-end seller risk system, including its data, decisions, controls, owners and failure points. • Establish the baseline for fraud losses, alert yield, time-to-detect, exposure at detection and analyst effort, reconciling losses with Finance. • Own the health of live controls, ensuring every rule has an owner, expected volume, measured yield and alerting when it drifts or goes quiet. • Build and maintain a labelled library of confirmed fraud cases and a shared fraud typology for rules now and machine-learning models later. • Build a value-ranked portfolio of risk opportunities. • Translate risk problems into product, data and engineering work with measurable acceptance criteria. • Design seller risk tiers that set payout timing, reserves and limits. • Backtest rules and risk scores and run control experiments, shadow tests and phased roll-outs that measure loss reduction and legitimate-customer impact. • Produce decision artefacts that help senior leaders weigh risk appetite, engineering investment, customer experience and commercial growth.

• Work fully remotely from the UK, with the freedom to choose where, when and how you work. • Receive stock options as part of an attractive salary and benefits package. • Enjoy unlimited holidays. • Take enhanced parental leave. • Join a retirement plan and private healthcare, with wellbeing initiatives. • Grow with an annual learning fund and regular internal and external training.

Paddle is a Merchant of Record that gives digital product companies a simpler alternative to assembling a complex payments stack. It serves over 10,000 software sellers in 245 territories globally. Paddle is backed by investors including KKR, FTV Capital, Kindred, Notion and 83North.