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Director, Data Science and Machine Learning (Risk and Fraud)Trustly · New York
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Trustly

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Director, Data Science and Machine Learning (Risk and Fraud)

🗓️ Posted 2026-09-10 New York Fulltime Hybrid ICT
💰 Salary Not shared 📊 Market NA

About the Company

At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide. Our Ambition: To build the world's most disruptive payment network and redefine what the payment experience should feel like. Trustly is a global team of innovators, collaborators, and doers. If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that's transforming the way the world pays. About the team The Data team at Trustly is the backbone of our decision-making and product innovation. We are a global, multidisciplinary collective of Software Engineers, Data Engineers, Machine Learning Specialists, Scientists, and Analysts who believe that data is more than just rows and columns - it is the fuel for a more transparent financial ecosystem. We operate at the intersection of high-scale engineering and deep financial intelligence. Our team processes millions of transactions in real time, turning complex Open Banking signals into seamless payment experiences. We pride ourselves on a culture of intellectual curiosity, technical excellence, and extreme ownership.

Responsibilities

  • ● ng models that determine whether transactions are approved and guaranteed.
  • ● This is a hands-on technical leadership role. You will build and ship models yourself while leading, mentoring, and developing a team of Data Scientists and Machine Learning Engineers. You will own not only the team's roadmap, but also the quality, performance, and business impact of what it delivers in production.
  • ● Your work will sit at the intersection of machine learning, payments risk, product, and engineering, with direct impact on approval rates, fraud and loss performance, customer experience, and Trustly's broader payments network.
  • ● BUILD AND SHIP MODELS
  • ● Build, validate, deploy, and continuously improve machine learning models across ACH return risk, fraud, and account takeover.
  • ● Develop real-time, online, and offline features using transaction, account, device, and behavioral data.
  • ● Design and analyze experiments to evaluate model and policy changes, including champion/challenger tests, holdouts, and staged rollouts.
  • ● Quantify the impact of model changes across loss rates, approval rates, ROI, customer experience, and merchant outcomes.
  • ● Translate complex model performance and findings into clear, actionable insights for non-technical partners across Risk, Product, Finance, and other areas of the business.
  • ● LEAD THE TEAM AND MODEL PORTFOLIO
  • ● Mentor, develop, and grow a team of full-stack Data Scientists and Machine Learning Engineers.
  • ● Hire and level talent with the right balance of modeling depth, experimentation expertise, and production engineering capability.
  • ● Own the team's delivery and outcomes: what ships, when it ships, how it performs, and whether it holds up in production.
  • ● Own the model roadmap across ACH return risk, fraud, and account takeover, including prioritization, model reviews, and postmortems following loss events.
  • ● Own model performance in production, including monitoring, drift detection, retraining cadence, model updates, and decisions around when models should be replaced or retired.
  • ● Establish a high bar for technical quality, operational rigor, and measurable business impact across the team.
  • ● GOVERN, INFLUENCE, AND PARTNER
  • ● Maintain strong model documentation, validation evidence, and audit trails, and support independent validation of the team's models.
  • ● Ensure production decisions are explainable, with appropriate reason codes available when decisions need to be justified to merchants, internal reviewers, or auditors.
  • ● Partner closely with Product and Engineering on scoring latency, feature availability at decision time, and integration into Trustly's risk engine.

Benefits

  • ● At Trustly, you will have the chance to solve meaningful challenges alongside some of the brightest minds in FinTech. Together, we are shaping the future of payments in an environment that celebrates curiosity, collaboration, and innovation. You will be challenged and empowered to grow, making a real impact every step of the way.
  • ● Our team is as diverse as the global footprint we serve, with colleagues across Silicon Valley, the U.S., Canada, Brazil, Europe, and beyond. At Trustly, we foster a workplace where everyone feels they belong-a place where teamwork thrives, ideas flourish, and we never forget to have fun along the way.
  • ● We offer innovative perks and benefits packages that include:
  • ● Flexible paid time off & generous PTO accrual plans
  • ● Comprehensive medical, dental, vision, and other insurances
  • ● FSA & HSA plans for medical and dependent care
  • ● Home office set-up allowance
  • ● Internet stipend
  • ● Retirement plan match for 401k and RRSP
  • ● Gender-neutral paid parental leave, and more
  • ● (The benefits and total compensation packages outlined above are for full-time employees; some exclusions apply for temporary positions.)
  • ● At Trustly, we embrace and celebrate diversity of all forms and the value it brings to our employees and customers. We are proud and committed to being an Equal Opportunity Employer and believe an open and inclusive environment enables people to do their best work. All decisions regarding hiring, advancement, and any other aspects of employment are made solely on the basis of qualifications, merit, and business need.