Remote Credit Risk Modeling Jobs in California (NOW HIRING)

The Opportunity

Adobe is building a global payments function and recruiting a seasoned payment risk specialist to join our team dedicated to managing payment fraud and related risks. You will bring both risk strategy experience from an online merchant and deep analytical capabilities to this role. Your ability to pull and analyze data will help you find ways to improve Adobe.com risk decisioning at checkout. This will allow you to block BOT attacks and prevent fraudulent transactions. You'll balance the sensitive ratio of false positives to false negatives, and evolve prevention strategies to drive Adobe's business objectives. You will help define payment risk policies and build programs that prevent, detect, identify and resolve fraudulent activity by customers, potential customers, and outside agents. You will support outreach programs to the large issuing banks around the world to influence how they decision Adobe transactions. You will define A/B tests and monitor performance with a control group. This improves how you identify false positives globally using statistical methods to enable better decision-making.

What You'll Do

• Mitigate fraudulent payment activity involving credit/debit cards, SEPA, PayPal, and other payment methods worldwide. Collaborate with Adobe's third-party risk assessment partner and internal ML team.
• Partner closely with internal collaborator organizations across Adobe including Risk/Abuse team, Chargeback team, ML Decisioning Engineers, Product Management, Payments Partnerships and Finance.
• Establish Fraud Prevention capabilities based on predictive decisioning models that you will build and maintain for Adobe to align with industry best-practices.
• Implement improvements that raise the barriers against new threats by influencing the revision of business processes and decision-making capabilities, and through detailed auditing and validation of these processes following implementation of these changes.
• Bring a "disciplined, analytical and methodical" approach to a space that can be highly reactionary and chaotic from the ever evolving fraudulent attacks in the online space.
• Define and manage risk control measurements, implement quantitative monitoring metrics, and align internal risk teams and external risk decisioning providers on risk control numeric goals, promote results-focused, data-driven data science practices.
• Experiment experimental build & hypothesis testing control groups

What you need to succeed

• Hands-on experience (risk industry) with deep technical fluency and practical experience building and operating analytic systems:
• Strong hands-on SQL and Python skills - You'll be writing queries, building data pipelines, debugging code, and driving insights from large, complex datasets. Proficiency in both SQL and Python is essential to operate effectively in this role (SQL/Python is a MUST).
• You should have practical experience in overseeing payment risk, fraud, or abuse operations. Direct knowledge of developing, implementing, and revising risk strategies in these areas is essential. Background in Payment Risk, Fraud, or Abuse is a plus. This includes driving fraud detection logic, tuning decision engines, and managing false positive/negative trade-offs.
• Practical machine learning experience - A solid track record applying machine learning in production, including model development, validation, deployment, or serving infrastructure, is a strong plus. You should be comfortable operationalizing models, interpreting results, and partnering with ML/engineering teams to integrate models into risk decisioning workflows.
• In addition to these core requirements, successful candidates will demonstrate:
• A data-driven approach with the ability to translate analytical outcomes into business decisions and operational controls.
• The ability to influence teams across multiple functions and partner with product, engineering, and external risk providers.
• Comfort with defining performance metrics, A/B tests, and control-group experiments in a global payments environment.

About Adobe

Adobe empowers everyone to create through innovative platforms and tools that unleash creativity, productivity and personalized customer experiences. Adobe's industry-leading offerings including Adobe Acrobat Studio, Adobe Express, Adobe Firefly, Creative Cloud, Adobe Experience Platform, Adobe Experience Manager, and GenStudio enable people and businesses to turn ideas into impact, powered by AI and driven by human ingenuity.

Our 30,000+ employees worldwide are creating the future and raising the bar as we drive the next decade of growth. We're on a mission to hire the very best and believe in creating a company culture where all employees are empowered to make an impact. At Adobe, we believe that great ideas can come from anywhere in the organization. The next big idea could be yours.

Let's Adobe together

At Adobe, we believe in creating a company culture where all employees are empowered to make an impact. Learn more about Adobe life, including our values and culture, focus on people, purpose and community, Adobe for All, comprehensive benefits programs, the stories we tell, the customers we serve, and how you can help us advance our mission of empowering everyone to create.

Adobe is proud to be an Equal Employment Opportunity employer. We do not discriminate based on gender, race or color, ethnicity or national origin, age, disability, religion, sexual orientation, gender identity or expression, veteran status, or any other protected characteristic. Learn more.

Adobe aims to make our Careers website and recruiting process accessible to any and all users. If you have a disability or special need that requires accommodation to navigate our website or complete the application process, email accommodations@adobe.com or call +1 408-536-3015.

AI Use Guidelines for Interviews:
Our interviews are designed to reflect your own skills and thinking. The use of AI or recording tools during live interviews is not permitted unless explicitly invited by the interviewer or approved in advance as part of a reasonable accommodation. If these tools are used inappropriately or in a way that misrepresents your work, your application may not move forward in the process.

At Adobe, we empower employees to innovate with AI - and we look for candidates eager to do the same. As part of the hiring experience, we provide clear guidance on where AI is encouraged during the process and where it's restricted during live interviews. See how we think about AI in the hiring experience.

Expected Pay Range:

At Adobe, for sales roles starting salaries are expressed as total target compensation (TTC = base + commission), and short-term incentives are in the form of sales commission plans. Non-sales roles starting salaries are expressed as base salary and short-term incentives are in the form of the Annual Incentive Plan (AIP).

In addition, certain roles may be eligible for long-term incentives in the form of a new hire equity award.

State-Specific Notices:

California:

Fair Chance Ordinances

Adobe will consider qualified applicants with arrest or conviction records for employment in accordance with state and local laws and "fair chance" ordinances.

Colorado:

Application Window Notice

If this role is open to hiring in Colorado (as listed on the job posting), the application window will remain open until at least the date and time stated above in Pacific Time, in compliance with Colorado pay transparency regulations. If this role does not have Colorado listed as a hiring location, no specific application window applies, and the posting may close at any time based on hiring needs.

Massachusetts:

Massachusetts Legal Notice

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.