Senior Fraud Data Scientist (Credit Card)

As a Senior Fraud Data Scientist at Gemini, you will protect the platform and its customers from emerging fraud risks. You'll lead initiatives to strengthen fraud prevention strategies, design and implement effective rules and controls, and proactively mitigate risk before it impacts the platform. The Fraud Operations team is committed to stopping bad actors, safeguarding funds, and upholding the integrity of Gemini's digital asset marketplace while operating at scale.

What you'll do

• Design and lead the development of end-to-end fraud prevention and detection strategies, including procedures, fraud rules, and controls
• Conduct sophisticated data analysis on large datasets (structured and unstructured) to identify emerging fraud trends, patterns, and potential risks
• Continuously monitor fraud prevention system performance, measure key risk metrics, and implement data-driven enhancements to improve accuracy and reduce false positives
• Partner with data science, risk operations, product, engineering, and customer support teams to integrate fraud prevention into products and services
• Oversee initiatives aimed at advancing fraud detection systems and optimizing operational processes
• Develop and deliver clear, actionable reports and insights for leadership and stakeholders, highlighting fraud risk exposure and the effectiveness of strategies and controls

What you bring

• 5+ years in fraud strategy, program management, or related risk management roles
• Advanced analytical skills with proficiency in SQL, Python, Looker, and other data analysis and visualization tools
• Hands-on experience with fraud detection and monitoring platforms, with the ability to analyze data and identify emerging fraud patterns
• Strong verbal, written, and interpersonal skills with the ability to convey complex ideas clearly to both technical and non-technical audiences
• A track record of working effectively across cross-functional teams (product, engineering, operations, compliance) to achieve shared goals
• Ability to make sound decisions in ambiguous or rapidly changing environments and use data to drive informed choices
• Demonstrated ability to lead and execute projects spanning multiple teams, balancing priorities and driving results
• Strong critical-thinking skills with the ability to stay composed under pressure and resolve complex issues
• Hands-on experience with fraud transaction monitoring for credit card or debit card

Nice to have

• Strong expertise in detecting and mitigating fraud risk, including account takeover, synthetic identity, distributed attacks, payment fraud, and collusion
• Proven experience addressing and preventing fraud in digital channels and card-not-present environments
• In-depth knowledge of ACH risks, including reversal flows and related vulnerabilities
• Background working in fast-paced, high-growth environments, ideally within fintech or other technology-driven industries
• Comprehensive understanding of scam, phishing, and social engineering threats with experience implementing effective mitigation strategies
• Knowledge of dispute representment requirements and industry best practices
• Familiarity with financial markets, banking, or digital asset exchanges

What we offer

• Base salary range of $116,250-$155,000 in New York, California, and Washington (not inclusive of bonus or equity)
• A discretionary annual bonus
• Long-term incentive in the form of a new hire equity grant
• Comprehensive health plans
• 401K with company matching
• Paid parental leave
• Flexible time off
• Hybrid work approach at hub offices with flexibility based on location and role; remote employees required to onboard in-person at an office location

About Gemini

Gemini is a global crypto and Web3 platform founded in 2014, offering simple, reliable, and secure crypto products and services to individuals and institutions in over 70 countries. As a publicly traded company, Gemini bridges traditional finance with the emerging cryptoeconomy, working to unlock greater choice, independence, and opportunity through trusted access to the decentralized future.