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. We operate across three core areas: identifying and mitigating large-scale fraud to enable clean revenue, optimizing the cost of payments through chargeback strategy and card network fee mitigation, and partnering with Product, Revenue, and Engineering early to surface and address fraud risk — so Discord can launch with confidence and maximize revenue outcomes.

As Discord matures, this team serves as the connective tissue between Payments Strategy, Engineering, Legal, Product, and Revenue — embedding fraud and financial risk expertise into everything Discord does, with a bias toward enabling growth.

As a Payments & Fraud Analyst on Discord's Payments, Fraud & Risk 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.

What You'll Be Doing

• 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

What you should have

• 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

Candidates must reside in or be willing to relocate to the San Francisco Bay Area (Alameda, Contra Costa, Marin, Napa, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma counties). Relocation assistance may be available.

The US base salary range for this full-time position is $144,000 to $162,000 + equity + benefits. Our salary ranges are determined by role and level. Within the range, individual pay is determined by additional factors, including job-related skills, experience, and relevant education or training. Please note that the compensation details listed in US role postings reflect the base salary only, and do not include equity, or benefits.