As the AML & Fraud Risk Lead, you will play a pivotal role in designing Skydo’s AI-driven risk intelligence architecture across onboarding, transaction monitoring, fraud detection, chargebacks and collections.
What you will do:
- Merchant Fraud Risk Strategy :
- Define end-to-end merchant fraud risk strategy across onboarding, payment authorisation, settlements, and refunds
- Develop risk segmentation models and merchant-level risk bands (low/medium/high) using behavioural and transactional insights
- Establish frameworks for synthetic merchant detection, mule network identification, money laundering, and misuse of legitimate accounts
- Continuously refine Skydo's risk appetite framework for merchant fraud exposure
- Build AI/ML models for onboarding risk scoring/early fraud detection, predictive transaction risk (network graph analysis, behavioural clustering), fraud typology prediction (first-party, third-party, CNP, ATO, synthetic merchant), and chargeback/refund abuse prediction
- Reporting and Collaboration :
- Translate model outputs into real-time decisioning rules and integrate with Skydo's fraud detection engine
- Partner with Product and Engineering to embed adaptive fraud controls in onboarding and transaction flows
- Build mechanisms to identify, classify, and monitor fraud patterns across the lifecycle (first-party, third-party, CNP, ATO, synthetic identities)
- Define feedback loops from case outcomes to continuously train and improve model performance
- Collaborate with external data vendors and API partners to enhance risk visibility
You’re a good fit if you have:
- Quantitative academic background (Engineering, Statistics, Economics, or Data Science) from a Tier-1 institute (IITs/NITs/DTU/BITS)
- 3–5 years of experience in fraud risk, AML, or data-driven risk management in fintech, banking, or payments.
- Analytical thinker with high curiosity and data orientation.
- Balances business enablement with risk control rigour.
- Thrives in fast-paced, startup environments with extreme ownership.
The mindset we’re seeking:
1. We're looking for someone with a builder's mindset—someone who enjoys solving complex risk problems, takes ownership, and can balance business growth with effective risk controls.