People Matter

Decision Scientist, Fraud and Merchant Risk



Accounting & Finance
San Francisco, CA, USA
Posted on Friday, June 7, 2024

Company Description

It all started with an idea at Block in 2013. Initially built to take the pain out of peer-to-peer payments, Cash App has gone from a simple product with a single purpose to a dynamic ecosystem, developing unique financial products, including Afterpay/Clearpay, to provide a better way to send, spend, invest, borrow and save to our 47 million monthly active customers. We want to redefine the world’s relationship with money to make it more relatable, instantly available, and universally accessible.

Today, Cash App has thousands of employees working globally across office and remote locations, with a culture geared toward innovation, collaboration and impact. We’ve been a distributed team since day one, and many of our roles can be done remotely from the countries where Cash App operates. No matter the location, we tailor our experience to ensure our employees are creative, productive, and happy.

Check out our locations, benefits, and more at

Job Description

The Merchant Risk Decision Scientist team is dedicated to refining the efficiency and accuracy of our merchants' risk strategy. Sitting at the intersection of data analytics, machine learning, and automation, our team is comprised of skilled data scientists and risk analysts. Our mission is to create a secure and efficient ecosystem where merchants can thrive, transforming risk challenges into growth opportunities. As a Decision Scientist in Merchant Risk, you will play a pivotal role in leveraging advanced analytical tools and machine learning models to enhance the merchant onboarding experience, striking the perfect balance between mitigating risk and optimizing the onboarding process.


  • Design and implement automation solutions to streamline risk assessment and management processes.
  • Build and maintain visualization dashboards to track risk performance and guide business decisions.
  • Set up monitoring alerts and tracking processes to prevent unexpected merchant losses.
  • Perform exploratory and vendor analysis to evaluate potential business opportunities.
  • Develop and execute resolution plans for merchant chargebacks, overdue payments, abusive disputes, and other unexpected losses.
  • Collaborate with data, feature, modeling, and engineering teams from partner groups to develop innovative risk solutions.

Your contributions will be critical in reducing merchant risk while ensuring a seamless onboarding experience. By implementing effective risk strategies and automation solutions, you will help create a safer, more efficient ecosystem for our merchants, ultimately driving business growth and stability.

Technologies we use (and teach):

  • Programming Languages: SQL, Python (Pandas, Numpy), R (Tidyverse)
  • Data Visualization: Tableau, Looker, Plotly, ggplot
  • Platform & tools: Snowflake, AWS, Salesforce, Github/Git, Airflow, GCP, DataBricks
  • Machine Learning: Scikit-Learn, TensorFlow, PyTorch, Keras


You Have:

  • Bachelor's degree in DataScience, Statistics, Mathematics, Computer Science or a related field. A Master's degree is preferred.
  • 2+ years of experience in data science, data analysis, or a related field.
  • Proven experience in fraud detection and risk management.
  • Strong knowledge of data analysis techniques.
  • Proficiency in SQL
  • Proficiency in programming languages such as Python or R.
  • Proficiency in at least 1 data visualization tool
  • Excellent problem-solving skills and attention to detail.
  • Strong communication skills, with the ability to explain complex concepts to non-technical stakeholders.

Additional Information

To find a location’s zone designation, please refer to this resource. If a location of interest is not listed, please speak with a recruiter for additional information.

Full-time employee benefits include the following:

  • Healthcare coverage (Medical, Vision and Dental insurance)
  • Health Savings Account and Flexible Spending Account
  • Retirement Plans including company match
  • Employee Stock Purchase Program
  • Wellness programs, including access to mental health, 1:1 financial planners, and a monthly wellness allowance
  • Paid parental and caregiving leave
  • Paid time off (including 12 paid holidays)
  • Paid sick leave (1 hour per 26 hours worked (max 80 hours per calendar year to the extent legally permissible) for non-exempt employees and covered by our Flexible Time Off policy for exempt employees)
  • Learning and Development resources
  • Paid Life insurance, AD&D, and disability benefits

These benefits are further detailed in Block's policies. This role is also eligible to participate in Block's equity plan subject to the terms of the applicable plans and policies, and may be eligible for a sign-on bonus. Sales roles may be eligible to participate in a commission plan subject to the terms of the applicable plans and policies. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.

We’re working to build a more inclusive economy where our customers have equal access to opportunity, and we strive to live by these same values in building our workplace. Block is a proud equal opportunity employer. We work hard to evaluate all employees and job applicants consistently, without regard to race, color, religion, gender, national origin, age, disability, veteran status, pregnancy, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.

We believe in being fair, and are committed to an inclusive interview experience, including providing reasonable accommodations to disabled applicants throughout the recruitment process. We encourage applicants to share any needed accommodations with their recruiter, who will treat these requests as confidentially as possible. Want to learn more about what we’re doing to build a workplace that is fair and square? Check out our I+D page.

Additionally, we consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.

Block, Inc. (NYSE: SQ) is a global technology company with a focus on financial services. Made up of Square, Cash App, Spiral, TIDAL, and TBD, we build tools to help more people access the economy. Square helps sellers run and grow their businesses with its integrated ecosystem of commerce solutions, business software, and banking services. With Cash App, anyone can easily send, spend, or invest their money in stocks or Bitcoin. Spiral (formerly Square Crypto) builds and funds free, open-source Bitcoin projects. Artists use TIDAL to help them succeed as entrepreneurs and connect more deeply with fans. TBD is building an open developer platform to make it easier to access Bitcoin and other blockchain technologies without having to go through an institution.

While there is no specific deadline to apply for this role, on average, U.S. open roles are posted for 70 days before being filled by a successful candidate.