Senior Quantitative Risk Strategist

BAM Trading Services Inc.

Job Overview

Location

U.S.

Job Type

Full-time

Full Job Description

📋 Description

• Design, develop, deploy, and continuously improve predictive risk models and scoring methodologies for ACH deposits, wire transfers, debit card funding, withdrawals, account security, fraud, and cryptocurrency-related risk domains.
• Build customer-level, transaction-level, and portfolio-level models to predict fraud losses, payment returns, chargebacks, account compromise, and emerging risk events.
• Develop dynamic risk segmentation frameworks that assess customer behavior across the lifecycle, including onboarding, funding, trading, and withdrawal phases.
• Apply advanced statistical methods, machine learning techniques, and anomaly detection to identify evolving fraud patterns, abuse vectors, and operational vulnerabilities in payment systems.
• Quantify and monitor risk across payment rails including ACH, wire, and card-based funding methods, with focus on return rates, chargebacks, and fraud exposure.
• Create forecasting methodologies for payment losses, ACH return rates, fraud trends, and emerging risk indicators to inform strategic decision-making.
• Establish key risk indicators (KRIs), operational thresholds, portfolio health metrics, and executive reporting frameworks for payments risk.
• Partner with Product, Engineering, Data, and Operations teams to embed model-driven decisioning into customer journeys for onboarding, funding, trading, and withdrawals.
• Design, test, and optimize risk rules, decision engines, and transaction monitoring systems to maximize fraud prevention while minimizing customer friction.
• Lead champion/challenger testing and experimentation frameworks to measure the effectiveness of risk controls and drive continuous improvement.
• Quantify tradeoffs between fraud loss, customer conversion, operational efficiency, and business growth to support data-driven prioritization.
• Conduct deep-dive investigations into material fraud events, payment losses, suspicious activity, and operational incidents to identify root causes and recommend corrective actions.
• Support model governance, validation, audit, and regulatory review activities through comprehensive documentation, monitoring, and control frameworks.
• Establish model performance monitoring, calibration, and backtesting processes to ensure ongoing compliance and effectiveness.
• Serve as a trusted advisor to senior leadership on payments risk, fraud analytics, financial crime risk, and cryptocurrency-related risk trends.
• Maintain deep understanding of ACH return codes, chargeback mechanisms, account takeover risk, first-party fraud, synthetic identity fraud, mule activity, and payment abuse vectors.
• Ensure alignment with AML regulations, sanctions compliance, KYC/KYB requirements, and financial crime risk management standards.
• Leverage blockchain analytics platforms and cryptocurrency transaction monitoring solutions to assess digital asset risk indicators.
• Translate complex quantitative findings into actionable business recommendations for both technical teams and executive leadership.
• Contribute to model validation, audit readiness, and regulatory examination preparations with rigorous documentation and control frameworks.

🎯 Requirements

• 8+ years of experience in quantitative risk analytics, fraud science, payments risk, machine learning, data science, or risk modeling within fintech, financial services, payments, banking, or cryptocurrency organizations.
• Advanced degree in Statistics, Mathematics, Economics, Finance, Computer Science, Physics, Operations Research, Data Science, or a related quantitative discipline (equivalent industry experience strongly considered).
• Advanced proficiency in SQL and strong experience with Python, Spark, R, or comparable analytical and modeling technologies.
• Demonstrated success designing, deploying, validating, and monitoring predictive risk models in production environments.
• Deep understanding of ACH payments, return codes, chargebacks, account takeover risk, first-party fraud, synthetic identity fraud, mule activity, and transaction risk management.
• Experience developing portfolio-level forecasting models for fraud losses, payment returns, chargebacks, or credit-related risk outcomes.

🏖️ Benefits

• Unlimited PTO (for salaried FTE roles)
• 12 weeks fully paid Parental Bonding Leave
• Mental wellness benefits including free 1:1 virtual visits with a licensed mental wellness professional
• Comprehensive competitive health benefits
• Fully remote, cameras-on culture with work-from-home equipment reimbursements available to new hires
• Annual professional development budget and free 1:1 virtual visits with a career coach
• 401k plan with employer match

Skills & Technologies

Python

Rails

Apache Spark

Senior

Remote

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BAM Trading Services Inc.

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About BAM Trading Services Inc.

BAM Trading Services Inc. operates Binance.US, a centralized cryptocurrency exchange serving United States customers. The platform offers spot trading for major digital assets, staking services, and basic portfolio tools. It is operated independently of Binance Holdings Limited and is registered with FinCEN while maintaining Money Transmitter licenses in multiple states.

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