7,377 Payment Processing Analyst jobs in the United States

• Design, develop, and implement machine learning models for real-time fraud detection.
• Analyze large, complex datasets to identify patterns, anomalies, and risk indicators.
• Perform feature engineering and data preprocessing for model development.
• Evaluate and optimize model performance using appropriate metrics.
• Deploy models into production environments and monitor their ongoing effectiveness.
• Collaborate with engineering and product teams to integrate data science solutions.
• Present findings, insights, and model performance to stakeholders.
• Research and stay up-to-date with the latest advancements in machine learning and fraud detection techniques.
• Mentor junior data scientists and contribute to the team's technical growth.
• Contribute to the development of data science best practices and infrastructure.

• Ph.D. or Master's degree in Computer Science, Statistics, Mathematics, or a related quantitative field.
• 5+ years of professional experience as a Data Scientist, with a focus on fraud detection or similar areas.
• Strong proficiency in programming languages such as Python or R.
• Extensive experience with machine learning libraries (e.g., TensorFlow, PyTorch, Scikit-learn).
• Deep understanding of statistical modeling, machine learning algorithms, and anomaly detection techniques.
• Experience working with large datasets and big data technologies (e.g., Spark, Hadoop).
• Familiarity with cloud platforms (AWS, Azure, GCP) and MLOps principles.
• Excellent analytical, problem-solving, and critical thinking skills.
• Strong communication and presentation skills, with the ability to explain complex concepts clearly.
• Proven ability to work independently and collaboratively in a remote setting.

In the Role

• Develop & implement detection strategies for fraud claim abuse.
• Perform fraud claim analysis within the credit card portfolio and build appropriate alerting / reporting for monitoring trends to identify emerging anomalies that could be indicative of fraud events.
• Work with the card processor to understand and influence authentication and authorization settings, including for 3D Secure.
• Ensure we are compliant with Mastercard card processing requirements.
• Conduct necessary Mastercard fraud reporting.
• Identify, verify and analyze data defects/issues and communicate with appropriate teams to determine the root cause for issue resolution.
• Execute ad-hoc data processing jobs to enhance fraud prevention efforts.
• Energy, curiosity, and ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology.
• A high degree of comfort drawing well-supported insights from complicated datasets and performing a risk/reward trade-off analysis to influence and convey a point of view to the leadership team.
• Ability to work in a fast-paced, ever-changing environment and to juggle an array of tasks on tight timelines.
• Self-motivated and organized a high degree of comfort managing multiple stakeholders and team members; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results.
• Innovative and capable of developing a highly analytical approach to solving problems.
• Ability to work independently and within a team setting with minimal direction/supervision.

Requirements

• 3+ years experience in analytics roles within financial services
• Proficient user of SQL, SAS, Looker, Power BI (or equivalent data visualization tools).
• Masters degree in quantitative field study (mathematics, statistics, economics, data science, or engineering).
• Proficient knowledge of Microsoft Excel/PowerPoint.
• Strong communication, interpersonal, and negotiation skills to gain trust and achieve business objectives.

Preferred:

• Experience within a Fintech company is a plus.
• Fraud risk management experience is strongly preferred.
• Experience with Python is a plus

Location: Location: Wilmington, DE Hybrid

Who we Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, weve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, were committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. Theres never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. Thats why weve packed our comprehensive benefits package for full- and some part-timers with:

• Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% matching 401(k)?
• Employee Stock Purchase Plan (10% share discount)?
• Tuition reimbursement?
• Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
• Paid sick leave as determined by state or local ordinance, prorated based on start date
• Paid holidays (7 days per year, based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)

In the Role

• Develop & implement detection strategies for fraud claim abuse.
• Perform fraud claim analysis within the credit card portfolio and build appropriate alerting / reporting for monitoring trends to identify emerging anomalies that could be indicative of fraud events.
• Work with the card processor to understand and influence authentication and authorization settings, including for 3D Secure.
• Ensure we are compliant with Mastercard card processing requirements.
• Conduct necessary Mastercard fraud reporting.
• Identify, verify and analyze data defects/issues and communicate with appropriate teams to determine the root cause for issue resolution.
• Execute ad-hoc data processing jobs to enhance fraud prevention efforts.
• Energy, curiosity, and ability to frame intelligent questions to uncover issues and spearhead the formulation of approach and methodology.
• A high degree of comfort drawing well-supported insights from complicated datasets and performing a risk/reward trade-off analysis to influence and convey a point of view to the leadership team.
• Ability to work in a fast-paced, ever-changing environment and to juggle an array of tasks on tight timelines.
• Self-motivated and organized a high degree of comfort managing multiple stakeholders and team members; strong collaboration and teamwork skills; and a problem-solver oriented toward achieving results.
• Innovative and capable of developing a highly analytical approach to solving problems.
• Ability to work independently and within a team setting with minimal direction/supervision.

Requirements

• 3+ years experience in analytics roles within financial services
• Proficient user of SQL, SAS, Looker, Power BI (or equivalent data visualization tools).
• Masters degree in quantitative field study (mathematics, statistics, economics, data science, or engineering).
• Proficient knowledge of Microsoft Excel/PowerPoint.
• Strong communication, interpersonal, and negotiation skills to gain trust and achieve business objectives.

Preferred:

• Experience within a Fintech company is a plus.
• Fraud risk management experience is strongly preferred.
• Experience with Python is a plus

Location: Location: Wilmington, DE Hybrid

Who we Are

OneMain Financial (NYSE: OMF) is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans. Since 1912, weve looked beyond credit scores to help people get the money they need today and reach their goals for tomorrow. Our growing suite of personal loans, credit cards and other products help people borrow better and work toward a brighter future.

Driven collaborators and innovators, our team thrives on transformative digital thinking, customer-first energy and flexible work arrangements that grow lives, careers and our company. At every level, were committed to an inclusive culture, career development and impacting the communities where we live and work. Getting people to a better place has made us a better company for over a century. Theres never been a better time to shine with OneMain.

Because team members at their best means OneMain at our best, we provide opportunities and benefits that make their health and careers a priority. Thats why weve packed our comprehensive benefits package for full- and some part-timers with:

• Health and wellbeing options including medical, prescription, dental, vision, hearing, accident, hospital indemnity, and life insurances
• Up to 4% matching 401(k)?
• Employee Stock Purchase Plan (10% share discount)?
• Tuition reimbursement?
• Paid time off (15 days vacation per year, plus 2 personal days, prorated based on start date)
• Paid sick leave as determined by state or local ordinance, prorated based on start date
• Paid holidays (7 days per year, based on start date)
• Paid volunteer time (3 days per year, prorated based on start date)

The Spread Products Financing & Securitization (F&S) business provides sophisticated financing solutions and securitization expertise across various asset classes. We operate in a complex, fast-paced environment, requiring robust risk management and control frameworks. Position Summary: We are seeking a highly experienced and strategic Director to lead the development and implementation of a comprehensive fraud detection and prevention program within the F&S business. This role will be instrumental in safeguarding the firm's assets, mitigating financial crime risks, and ensuring adherence to regulatory requirements. The successful candidate will possess deep expertise in fraud risk management, a strong understanding of financial products, and proven leadership capabilities. Key Responsibilities:

• Program Leadership: Design, develop, and implement a robust, end-to-end fraud detection and prevention program tailored to the specific risks inherent in F&S.
• Risk Assessment: Conduct regular and comprehensive fraud risk assessments to identify vulnerabilities, emerging threats, and potential control gaps within business processes, systems, and transactions.
• Strategy Development: Formulate and execute strategic initiatives to enhance fraud detection capabilities, including the adoption of advanced analytics, machine learning, and other technological solutions.
• Policy & Procedure Development: Establish and maintain clear, effective policies, procedures, and controls to prevent, detect, and respond to fraudulent activities. Ensure alignment with global financial crime standards and local regulatory requirements.
• Incident Management: Oversee the investigation of suspected fraudulent activities, working closely with internal security, legal, compliance, and audit teams, as well as external law enforcement when necessary.
• Stakeholder Engagement: Collaborate extensively with business heads, operations, technology, legal, compliance, and other control functions to embed fraud prevention measures into daily operations and new product development.
• Regulatory Compliance: Ensure the program complies with all relevant anti-fraud laws, regulations, and industry best practices. Stay abreast of changes in the regulatory landscape and adjust the program accordingly.
• Reporting & Metrics: Develop key performance indicators (KPIs) and metrics to monitor the effectiveness of the fraud program. Provide regular reporting to senior management and relevant committees on fraud trends, risks, and program performance.
• Training & Awareness: Develop and deliver training programs to raise awareness of fraud risks and prevention techniques across the business unit.
• Team Leadership: Potentially lead and mentor a small team or matrix-manage resources dedicated to fraud prevention efforts.

• Minimum of 10+ years of experience in fraud risk management, financial crime, forensic investigations, legal, or a related field within the financial services industry, preferably with exposure to capital markets, financing, or securitization products.
• Demonstrated experience in designing, implementing, and managing comprehensive fraud prevention programs.
• Proven experience at a Director level or equivalent leadership role.
• Education: Bachelor's degree required. Advanced degree (e.g., MBA, JD) or relevant professional certifications (e.g., CFE, ACAMS) highly preferred.

• Deep understanding of fraud typologies, red flags, and prevention techniques relevant to complex financial products and transactions.
• Strong knowledge of global financial crime regulations and compliance frameworks (e.g., AML, sanctions, anti-bribery).
• Excellent analytical and problem-solving skills, with the ability to interpret complex data and identify patterns.
• Proficiency in leveraging technology for fraud detection (e.g., data analytics tools, fraud monitoring systems).
• Exceptional communication (written and verbal), interpersonal, and presentation skills, with the ability to influence and collaborate effectively across all levels of the organization.
• Strong organizational skills with the ability to manage multiple priorities and projects simultaneously.
• High degree of integrity, ethical conduct, and discretion.

Program Leadership: Design, develop, and implement a robust, end-to-end fraud detection and prevention program tailored to the specific risks inherent in F&S. Risk Assessment: Conduct regular and comprehensive fraud risk assessments to identify vulne Director, Fraud, Program Leader, Leadership, Team Leader, Fraud Prevention, Banking, Business Services