What you will do

In this role, you will design, test, and deploy real-time fraud decisioning strategies - combining rules and ML models across products and markets, while analyzing high-volume event data to uncover emerging patterns such as account takeover, synthetic identities, mule activity, refund abuse, and first- or third-party fraud. You’ll run champion/challenger experiments and A/B tests and continuously monitor precision/recall, false-positive rate, approval rate, loss bps, chargeback rate, and customer friction. You’ll build detection features and signal pipelines in close partnership with Engineering, Product, and Data Science; lead incident response during fraud spikes with clear mitigations and post-mortems; and evaluate and integrate vendor signals device, identity, behavioral, telco, sanctions/PEP, and 3DS where they deliver measurable lift. Above all, you’ll translate insight into action through clear, concise specifications and rollout plans, supported by alerting dashboards and stakeholder updates that drive fast, high-quality decisions.

Who you are

• 3–8+ years in fraud strategy/analytics or credit underwriting/risk decisioning within payments, consumer finance, or large-scale e-commerce

• Hands-on with SQL and Python or R to prototype analyses and experiments

• Ownership of a production fraud/credit policy or modeling strategy with demonstrated KPI impact

• Strong experiment design skills (A/B testing, champion/challenger), metric trade-off evaluation, and post-deployment monitoring

• Excellent communication with senior stakeholders; able to influence and drive decisions quickly

Awesome to have

• Experience with fraud/risk vendor ecosystem (e.g., device fingerprinting, identity graphs, behavioral biometrics, 3DS/SCA) and structured evaluation methods

• Knowledge of PSD2/SCA/3DS and TRA exemptions; able to design compliant controls without harming conversion

• Exposure to LLM-assisted investigations (case summarization, entity extraction, workflow automation)

• On-call support experience during active fraud attacks and ability to perform under pressure

Please include a CV in English.

Curious to learn more about Klarna and what it’s like to work here? Explore our career site!