Payments & Fraud Analyst

What You'll Be Doing

• Own high-scale fraud detection and mitigation, payments operations, and risk assessment within your assigned area end-to-end — from strategy through execution and post-launch measurement
• Lead high complexity fraud investigations, perform root cause analyses, and translate findings into concrete proposals for rule improvements and cross-functional action
• Write SQL queries to analyze fraud and payments data, and build reporting and monitoring dashboards and alerts (e.g., Mode, Datadog) that track performance and inform decision-making
• Program manage cross-functional initiatives with Engineering, Legal, Payments Strategy, Product, Revenue, and other partners — setting milestones, managing dependencies, and driving delivery
• Contribute to risk assessments for new product launches, identifying fraud exposure early and executing mitigation strategies
• Communicate the business impact of your work to cross-functional stakeholders — pre, during, and post-launch — adjusting level of detail based on audience
• Mentor junior team members and contribute to team-wide quality and knowledge sharing

What you should have

• 4–5+ years of experience in payments, fraud, or risk operations, with direct, hands-on exposure to card network rules, chargebacks, and dispute processes
• Deep working knowledge of payments flows, card network rules (Visa, Mastercard, Amex, etc.), and chargeback/dispute processes
• Proficiency in SQL, with hands-on experience querying and analyzing large datasets to drive fraud and payments decisions
• Experience building reporting and monitoring workflows using BI and alerting tools (e.g., Mode, Datadog, or equivalent)
• Proven ability to independently own an end-to-end function and execute mid-size programs with minimal oversight, making judgment calls that weigh business impact and tradeoffs
• Comfort navigating ambiguous problems where the issue is known but the right solution requires evaluating multiple options, with the ability to anticipate near-term risks and proactively flag or mitigate them
• Strong written and verbal communication skills, with the ability to translate complex, technical findings into business-impact narratives for cross-functional and senior stakeholders
• Experience mentoring others or serving as a technical resource on a team, with a collaborative, cross-functional operating style comfortable navigating differing viewpoints with peers across Engineering, Legal, Product, and Revenue

Candidates must reside in or be willing to relocate to the San Francisco Bay Area (Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma counties). Relocation assistance may be available.

The US base salary range for this full-time position is $144,000 to $162,000 + equity + benefits. Our salary ranges are determined by role and level. Within the range, individual pay is determined by additional factors, including job-related skills, experience, and relevant education or training. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include equity, or benefits.

Why Discord?

Discord plays a uniquely important role in the future of gaming. We're a multiplatform, multigenerational and multiplayer platform that helps people deepen their friendships around games and shared interests, and helps developers build and grow their businesses. We believe games give us a way to have fun with our favorite people, whether listening to music together or grinding in competitive matches for diamond rank. Join us in our mission! Your future is just a click away!

Discord is committed to inclusion and providing reasonable accommodations during the interview process. We want you to feel set up for success, so if you are in need of reasonable accommodations, please let your recruiter know.

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