Branch is on a mission to empower workers with financial freedom. We do this by helping companies accelerate payments and providing working Americans with accessible, free financial services. We’re committed to building and delivering more inclusive, transparent, and frictionless financial products.

Our goal of empowerment extends to our own employees, too. Have a great idea? Share it today and it might just get implemented tomorrow. As a member of our team, your voice and creativity matter—and they can directly impact our products, company, and culture. 

We not only focus on attracting great talent from across the country, but also on building teams that help that talent thrive. That means valuing a diversity of opinions and working styles, while creating a shared belief in innovation, initiative, and winning together.  Come join our team as we develop new ways to improve the lives of working Americans.

We are looking for a motivated, well organized Risk Data Analyst II to help manage risk at Branch. You will love this role if you enjoy pulling and analyzing data in order to tell a story and developing real-time rules/detection strategies to minimize losses. You thrive in a start-up environment, are curious, have strong analytical/technical skills, and a knowledge of payments and the fraud trends that put our customers at risk.

Responsibilities include, but are not limited to:

• Identify potential points of opportunity in Branch’s risk management program through the analysis of fraud events, customer behavior, operational pain points and loss trends
• Translate analysis into recommendations for business logic to minimize losses and improve customer experience
• Create risk analytics workflow, including defining success and performance metrics, and monitor progress through the creation of actionable dashboards and reports
• Partner closely with Product and Risk to identify highest impact points in the funnel to reduce loss exposure
• Develop scalable frameworks to manage risk scores, fraud detection alerts, and false positive monitoring
• Provide recommendations on risk controls and thresholds through fact based analysis

Qualifications

• 2-5 years of data analyst experience with a focus on fraud or risk management
• Experience developing fraud scores and risk rules through statistical modeling
• Deep experience investigating, analyzing and defending against emerging fraud trends including ATO and first party fraud
• Experience identifying and managing card authorization rules
• Understanding and experience with financial loss causes, measures, and mitigation strategies
• Strong analytic skills utilizing SQL, Python, R, etc. 
• Experience with digital banking, payments networks, or financial services
• Intellectually curious and strong ability to adapt strategies as fast as the fraudsters

Nice to Have

• Experience in the fintech industry or with start-ups
• Experience with Mastercard and Mastercard Connect
• Managing projects through tools like Jira

Compensation:

The base compensation range for this role is $110-120k annually. The displayed salary range reflects an average base salary for the position across the US. The base salary offered to an applicant may be higher or lower based on their specific skill set, depth of experience, relevant education, or training. This range excludes commission, bonuses, equity, or benefits.

Benefits: 

• Work from anywhere (domestic USA)
• Branch-paid medical, dental, and vision insurance 
• Equity
• 401k
• Flexible time off
• Paid company holidays
• Paid parental leave (eligible after 6 months of employment)

Working at Branch

A remote-first company with employees located throughout the U.S., Branch emphasizes transparency, accountability, and trust to create a collaborative environment where our product, engineering, marketing, customer support, customer success, and sales teams can all thrive together.

Our collaborative spirit has helped us become an award-winning fintech company, with Branch’s innovation and workplace recognized across industries. Branch has been honored by Inc., the Webby Awards, Benzinga Fintech Awards, Fintech Breakthrough Awards, Top Workplaces USA, Great Places to Work, and EY Entrepreneur of the Year, Heartland, among others.  

Learn more about our culture, approach, technology, and people here: https://www.branchapp.com/about

Branch is an equal opportunity employer and we value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Must be currently authorized to work in the USA without sponsorship or transfer. No 3rd-parties, please.