Senior Fraud Risk Analyst Jobs in Clifton, NJ (NOW HIRING)

Are you passionate about solving complex challenges in the fintech space? We're looking for talented individuals to join our dynamic startup, backed by Sequoia Capital. We're building the universal payment layer to unify all currencies-fiat and crypto-so businesses and consumers can transact seamlessly. If you're excited about creating innovative solutions in a fast-paced environment, we want to talk to you.

We are hiring a Senior Fraud & Risk Engineer!

As a Senior Fraud & Risk Engineer at Breeze, you will own and build the risk infrastructure that powers our payments platform. This is a highly strategic and hands-on role where you will design, implement, and scale our fraud detection systems across a diverse and growing portfolio of merchants.

You'll work across best-in-class tools like Sift and Sardine to create a multi-merchant risk engine that balances approval rates with fraud prevention. From rules architecture to model tuning and chargeback analysis, you'll be responsible for driving measurable improvements in fraud performance.

This role is ideal for someone who has built or operated fraud systems in payments or marketplaces, thrives in high-ownership environments, and wants to shape risk as a core product function at a fast-growing fintech company.
Preference on a colleague who can work hybrid in our NYC office. 

• Own and evolve Breeze's fraud risk engine, integrating Sift ML scoring and Sardine rules across all merchant categories
• Design and maintain a scalable rules architecture, including category-level defaults, merchant-specific overrides, velocity checks, and blocklists
• Continuously tune thresholds and features across merchant segments to optimize approval rates and minimize fraud
• Build feedback loops between manual review decisions, chargeback data, and model retraining to improve detection accuracy
• Partner closely with risk operations to translate real-world fraud patterns into automated rules and systems
• Lead onboarding of new merchants into the risk stack, solving cold-start challenges and calibrating risk for new verticals
• Monitor and improve key fraud KPIs, including approval rate, chargeback rate, and false positive rate
• Collaborate cross-functionally with product, engineering, and operations to ensure risk systems are scalable and deeply integrated into the platform

• Proven experience in fraud and risk engineering within payments, marketplaces, or acquiring processors (e.g., Stripe, Adyen, Square, Checkout.com, Worldpay)
• Hands-on experience integrating third-party fraud tools such as Sift, Forter, Featurespace, Feedzai, or Kount
• Experience operating multi-merchant or marketplace fraud systems, including segmentation, shared models, and per-merchant customization
• Strong understanding of rules engine design, including layered rules, velocity checks, and scalable rule management
• Deep operational fraud knowledge, including manual review workflows, chargeback handling, and false positive analysis
• Comfortable working cross-functionally and translating operational insights into technical systems
• Highly analytical with a strong bias toward measurable outcomes and continuous improvement
• Adaptable, resourceful, and thrives in fast-paced, ambiguous environments

• 6+ years of experience in fraud/risk engineering in fintech, payments, or related technology environments
• Proven experience working with or integrating fraud detection platforms (e.g., Sift, Sardine, Forter, Feedzai, Kount)
• Experience supporting multi-merchant or marketplace environments with complex risk needs
• Strong understanding of payments infrastructure, transaction flows, and fraud vectors
• Familiarity with PCI compliance, 3DS, and PSP-level risk tooling is a plus
• Experience in high-risk verticals such as gaming, crypto, or digital goods is a plus
• Ability to own systems end-to-end, from design through production and iteration
• Bachelor's degree or equivalent experience

• Fast-paced and dynamic - We move quickly and adapt to capture opportunities
• Builder's mindset - We value ownership, initiative, and creativity
• Collaborative - Risk, product, and engineering operate as one unified team
• Continuous learning - We challenge each other and constantly improve

• Competitive salary + equity
• 21 days PTO
• Flexible benefits: annual medical allowance, productivity allowance, gym/well-being subsidy
• Annual team retreat
• Opportunity to build core risk infrastructure at a Sequoia-backed company with strong momentum and runway