Senior Quantitative Risk Strategist

About Binance.US: 

Binance.US is America’s home to buy, trade, and earn digital assets. As a licensed and regulated U.S. crypto platform, we provide secure, reliable access to more than 190 of the world’s most popular cryptocurrencies, all with some of the lowest fees in the industry. We’re a remote-first team of innovators building the bridge between traditional finance and Web3, helping bring financial freedom within reach for all. To learn more, visit www.binance.us. All roles supporting Binance.US are employed via BAM Management US Holdings Inc. or BAM Management Canada Holdings Inc.

About This Role:

The Senior Quantitative Risk Strategist is part of the Product organization and serves as a senior individual contributor responsible for designing, developing, validating, and optimizing quantitative risk models and analytical frameworks that protect Binance.US customers, payment systems, and operations from fraud, financial crimes, account compromise, and payment-related losses.

This role will act as the quantitative lead for payments risk, partnering closely with Product, Risk, Compliance, Engineering, Data, and Operations teams to develop scalable, data-driven risk solutions across customer onboarding, account funding, trading, and withdrawal experiences. The ideal candidate combines deep expertise in predictive modeling and risk analytics with practical experience managing fraud, ACH, card, and transaction risk within highly regulated financial services, fintech, or cryptocurrency environments.

Success in this role requires balancing customer growth, conversion, and user experience with loss prevention, regulatory obligations, and operational efficiency.

Core Responsibilities:

Quantitative Risk Modeling & Analytics

• Design, develop, deploy, and continuously improve predictive risk models, scoring methodologies, and decision frameworks across ACH deposits, wire transfers, debit card funding, withdrawals, account security, fraud, and cryptocurrency-related risk domains.

• Build customer-level, transaction-level, and portfolio-level models that predict fraud losses, payment returns, chargebacks, account compromise, and emerging risk events.

• Develop risk segmentation frameworks that dynamically assess customer behavior throughout the customer lifecycle, including onboarding, funding, trading activity, and withdrawals.

• Apply advanced statistical methods, machine learning techniques, anomaly detection, and large-scale data analysis to identify evolving fraud patterns, abuse vectors, and operational vulnerabilities.

Payments Risk Strategy

• Quantify and monitor risk across payment rails, including ACH, wire, card, and other funding methods.

• Develop forecasting methodologies for payment losses, ACH return rates, chargebacks, fraud exposure, and emerging risk trends.

• Establish key risk indicators (KRIs), operational thresholds, portfolio health metrics, and executive reporting frameworks.

• Evaluate the impact of new products, payment methods, customer segments, and growth initiatives through rigorous quantitative risk assessment.

Risk Decisioning & Optimization

• Partner with Product and Engineering teams to embed model-driven decisioning throughout the customer journey.

• Design, test, and optimize risk rules, controls, decision engines, and transaction monitoring systems to maximize fraud prevention while minimizing customer friction.

• Lead champion/challenger testing and experimentation frameworks to measure the effectiveness of risk controls and drive continuous improvement.

• Quantify tradeoffs between fraud loss, customer conversion, operational efficiency, and business growth to support data-driven decision making.

Investigations & Risk Governance

• Conduct deep-dive investigations into material fraud events, payment losses, suspicious activity, and operational incidents, identifying root causes and recommending corrective actions.

• Support model governance, validation, audit, and regulatory review activities through comprehensive documentation, monitoring, and control frameworks.

• Establish model performance monitoring, calibration, and backtesting processes to ensure ongoing effectiveness and compliance.

• Serve as a trusted advisor to senior leadership on payments risk, fraud analytics, financial crime risk, and cryptocurrency-related risk trends.

Preferred Skills/Experience:

• 8+ years of experience in quantitative risk analytics, fraud science, payments risk, machine learning, data science, or risk modeling within fintech, financial services, payments, banking, or cryptocurrency organizations.

• Advanced degree in Statistics, Mathematics, Economics, Finance, Computer Science, Physics, Operations Research, Data Science, or a related quantitative discipline. Equivalent industry experience building and deploying production risk models will be strongly considered.

• Advanced proficiency in SQL and strong experience with Python, Spark, R, or comparable analytical and modeling technologies.

• Demonstrated success designing, deploying, validating, and monitoring predictive risk models in production environments.

• Deep understanding of ACH payments, return codes, chargebacks, account takeover risk, first-party fraud, synthetic identity fraud, mule activity, payment abuse, and transaction risk management.

• Experience developing portfolio-level forecasting models for fraud losses, payment returns, chargebacks, or credit-related risk outcomes.

• Strong knowledge of AML regulations, sanctions compliance, KYC/KYB requirements, and financial crime risk management.

• Experience supporting model governance programs, audit reviews, regulatory examinations, and independent model validation activities.

• Familiarity with blockchain analytics platforms, cryptocurrency transaction monitoring solutions, and digital asset risk indicators.

• Strong communication skills with the ability to translate complex quantitative findings into actionable business recommendations for both technical and executive audiences.
  

Our Mission:
At Binance.US, our mission is to create a more inclusive financial system through Web3 technologies. As a U.S. regulated crypto platform, we’re committed to earning trust through compliance and empowering people to do more with their money, bringing financial freedom within reach for all.

Our Values:
Our values shape how we work, make decisions, and support our users every day:

• Act with Integrity: We do what’s right, even when no one is watching.

• Be Collaborative: We work together with respect and transparency to achieve shared goals.

• Customers First: We listen to, advocate for, and prioritize our users in every decision we make.

• Do the Work: We take ownership, follow through, and deliver results that move the mission forward.

• Embrace Change: We stay adaptable and curious, thriving in a fast moving industry.

Our Benefits:

We believe in supporting our people with flexibility, balance, and opportunities to grow. One of the ways we demonstrate this commitment is through our benefit offerings.

• Time & Family: Unlimited PTO (for salaried FTE roles); 12 weeks fully paid Parental Bonding Leave.

• Well-Being: Mental wellness benefits; free 1:1 virtual visits with a licensed mental wellness professional; comprehensive competitive health benefits.

• Remote-First Culture: Fully remote, cameras-on culture with work-from-home equipment reimbursements available to new hires.

• Professional & Financial Growth: Annual professional development budget; free 1:1 virtual visits with a career coach; 401k plan with employer match.

BAM Management US Holdings Inc. and BAM Management Canada Holdings Inc. are Equal Opportunity Employers and comply with all applicable federal, state, and local fair employment practice laws. Our mission is to give our customers access to a broad array of digital assets, and we thrive because of the diverse and inclusive team that we are building. We do not discriminate against qualified employees, applicants, or any other covered persons because of race, color, religion, creed, gender identity, sex, sexual preference, sexual identity, pregnancy, national origin, ancestry, citizenship, age, veteran status, physical disability, mental disability, medical condition, military status, or any other applicable legally protected characteristic.

Depending on your location, data privacy laws may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is available here. By submitting your application, you are agreeing to our use and processing of your data as required.

We comply with Federal Transparency in Coverage regulations by providing a link to machine readable files related to the health plans offered to our employees. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data including negotiated service rates, and out-of-network allowed amounts between health plans and healthcare providers.