Software Engineer III, Payments & Risk

Company Overview:

FastSpring is the trusted ecommerce platform, partnering with software and SaaS companies globally to enhance product sales and foster global competition. With over 10 million transactions annually for 3,500+ companies across 200 countries, our platform supports transactions in every major currency. Recognized for workplace excellence and backed by AKKR, we maintain profitability and a diverse, inclusive culture. Join us to grow and innovate in a globally-minded, customer-focused environment.

Founded in 2005, FastSpring is a privately owned company headquartered in Santa Barbara with offices in Amsterdam, Belfast and Halifax.

Position Overview:

FastSpring - a rapidly growing Digital Goods and Gaming reseller (“Merchant of Record”) is looking for a Software Engineer III, Payments & Risk. Your role will involve extracting meaningful signals from a diverse set of data; design, build and iteratively improve our “risk engine” and continuously experiment to make our KRIs (Key Risk Indicators) better for our customers in every geography with every Payment Method. As we rapidly scale, you will also own the evolution of our risk engine from a set of static rules to a supervised model that minimizes fraud to an industry leading AI/ML driven true “engine” that will remain our competitive advantage in gaming and digital goods markets all over the world. 

Primary Responsibilities & Goals:

• View our Payments domain as a “cube” of Customers, Payment Methods and Geography and design an empirical system to best optimize for our sellers’ revenue in every cell, while not impacting any other. E.g., you will proactively observe, monitor, and learn signals from the “cell” for Credit Card Payments in Brazil for seller “X” and build data-driven, bottom-up risk solutions to minimize fraud and chargeback there.
• Build a customer-facing (both buyer and seller) minimally intrusive solution that uses industry best practices (3DS, KYC, MFA, Threat Score, External Services, Internal Model based on recent and past behavior etc) set of services and solution to minimize fraud (chargeback, dispute, alert) that increase our customers’ revenue and have a positive impact on NPS (Net Promoter Score).
• Understand and discover the nuances between Payment Methods and customer purchase behavior in different geographies (in global and local currencies) and encode the enduring behavior in a set of actionable rules.
• Security, Resilience and Scale are three pillars of our Engineering Excellence - built on the foundation of Observability. You will proudly own end-to-end actionable …