Senior Staff, Decision Scientist, Fraud Policy

Flex · New York

Otherposted 3mo ago

Flex is a growth-stage, NYC headquartered FinTech company that is creating the best rent payment experience. It’s hard to believe that it’s 2026 and paying rent on time is expensive, inflexible, and difficult. We’re here to change that! Flex enables our users to pay rent throughout the month on a schedule that better fits their finances and budget. Our mission is to empower as many renters as possible with flexibility over their most significant recurring expense. After deliberately keeping a stealth profile as we built up unprecedented investor support and an enthusiastic user base, we are looking for motivated individuals to help us keep our mission growing. Will you be a part of the team?

About the Role

As a Senior Staff Decision Scientist on the Risk team, you will own the strategy, design, and optimization of Flex's fraud and account-security decisioning stack. You'll set policy across the customer lifecycle — onboarding, identity, transaction, and account takeover — balancing fraud loss, customer experience, and growth across millions of transactions.

This is a senior individual-contributor role. You will be the policy voice in the room, setting direction for how Flex detects and prevents fraud, and working across Risk, Product, Engineering, Compliance, and Data to ship and measure that policy in production.

What You'll Do

Own and evolve Flex's fraud-prevention and account-security policy across onboarding, identity/KYC, payments, and account-takeover surfaces
Design, ship, and tune detection rules and decisioning logic in the risk decision engine — from signal definition to live rollout
Use large-scale transaction, identity, and behavioral data to identify emerging fraud patterns and quantify their loss impact
Build models and forecasts to size the fraud/loss and customer-experience tradeoffs of every policy change before it ships
Design shadow tests and experiments, and measure the tradeoff between fraud loss, false-positive friction, and approval/growth
Set the fraud-loss and dispute/chargeback strategy, and define what "good" looks like across the detection portfolio
Define the metrics, monitoring, and dashboards that keep fraud performance observable and catch regressions early
Partner closely with Product, Engineering, Compliance, and Operations to take policy from analysis to production impact
Communicate clear, actionable recommendations — and the risk tradeoffs behind them — to leadership and stakeholders

What We're Looking For

8+ years in fraud, risk, decision science, or platform analytics, with deep experience owning fraud or risk policy end-to-end
Strong hands-on skills in Python and SQL, and comfort working with large, messy transactional datasets
Experience with fraud and risk concepts — rule/policy design, loss modeling, cohort analysis, and precision/recall tradeoffs
Track record building or operating detection systems on high-scale transactional platforms (payments, lending, marketplaces)
Fluency with fraud signals and typologies: identity/KYC, account takeover, first-party fraud, payment fraud, and disputes/chargebacks
Strong product and business intuition — you care about shipping impact and reducing loss, not just analysis
Comfortable operating cross-functionally and owning ambiguous, high-leverage problem spaces
Background in fintech, payments, or large tech platforms is a strong plus

Compensation

Flex takes a market-based approach to pay, and compensation may vary depending on your primary work location. Work locations are categorized into one of three tiers based on a cost of labor index for that geographic area. The successful candidate’s starting pay will be commensurate with their experience, qualifications, and Flex’s internal leveling guidelines and benchmarks.

Tier 1 (NYC/Bay Area, Los Angeles, Seattle)

$190,000—$235,000 USD

Tier 2 (Austin, Washington D.C. Philadelphia, San Diego, Chicago, Atlanta)

$172,000—$215,000 USD

Tier 3 (Salt Lake City, all other USA cities)

$160,000—$204,000 USD

Life at Flex

We understand that it takes a diverse team of highly intelligent, curious, determined, empathetic, and self aware people to grow a successful company. Our HQ is located in New York City, but we have employees located throughout the US, Australia, Canada and South America. We are growing quickly, but deliberately, with a focus on building an inclusive culture. Our dynamic team has incredible perspectives to share, just as we know you do, and we take great pride in being an equal opportunity workplace.

Offices

Roles posted in New York, San Francisco, and Salt Lake City are hybrid positions with on-site expectations of 2-3 days per week in our local offices. For candidates outside of these areas, you may be eligible for our relocation assistance program.

Benefits

For full-time U.S. employees we offer:

Competitive medical, dental, and vision
Company equity
401(k) plan with company match
Unlimited paid time off + 13 company paid holidays
Parental leave
Free Flex subscription

For full-time non-U.S. employees, we offer:

Competitive compensation + company equity
Unlimited PTO