Payments & Fraud Analyst

Discord's Payments, Fraud & Risk team enables revenue growth and protects Discord's financial health by managing payments optimization and fraud risk as a strategic function. As a Payments & Fraud Analyst on this team, you will own one or more of the team's core functions end-to-end , leading cross-functional programs, shaping fraud and payments strategy, and driving the fraud risk decisions that let Discord launch products with confidence and maximize clean revenue.

Responsibilities:

• 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

Requirements:

• 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