Staff+ Software Engineer (Payment Fraud)

• The Fraud Prevention team protects Anthropic’s payment and monetization surfaces from financial abuse — keeping fraud losses, dispute rates, and network monitoring exposure in check while preserving a smooth experience for legitimate customers
• As a software engineer on this team, you will build the systems that make risk decisions in real time, manage the dispute and chargeback lifecycle, and detect monetization abuse across subscriptions, in-app purchases, and promotions
• The ideal candidate can see things from attackers’ perspectives, anticipate their responses to countermeasures, and never loses sight of the fact that a false positive here is a paying customer
• Payments fraud is more externally coupled than most trust and safety work — you’ll collaborate closely with finance, support, and legal teams internally, and with payment processors and platform partners externally
• Design and build real-time risk decisioning that scores transactions at authorization time, balancing fraud loss, approval rates, and latency constraints
• Build tooling and automation for the dispute and chargeback lifecycle, from review queues to evidence collection and loss reporting
• Engineer fraud signals at scale — device fingerprinting, BIN and issuer signals, velocity features, and cross-account linkage — and detect monetization abuse across subscriptions, trials, promotions, and in-app purchases
• Own a portfolio of metrics — loss rate, dispute rate, authorization approval impact, and false-positive rate — rather than optimizing any single number
• Lead investigations into emerging fraud patterns, building multi-layered defenses designed for attacker adaptation rather than point-in-time rules
• Work cross-functionally with finance, support, legal, and data science, and with external payment processors and platform partners

Benefits

• Comprehensive health, dental, and vision insurance for you and your dependents
• Inclusive fertility benefits via Carrot Fertility
• 22 weeks of paid parental leave
• Flexible paid time off and absence policies
• Mental health support for you and your dependents
• Competitive salary and equity packages
• Optional equity donation matching at a 1:1 ratio, up to 25% of your equity grant
• Retirement plans with competitive matching
• Life and income protection plans
• $500/month flexible wellness and time saver stipend
• Commuter benefits
• Annual education stipend
• Home office stipends
• Relocation support for those moving for Anthropic
• Daily meals and snacks in the office

• Proficiency in Python, SQL, and data analysis tools
• Required field of study: A field relevant to the role as demonstrated through coursework, training, or professional experience
• Experience building or operating fraud, risk, or abuse detection systems in production
• Minimum years of experience: Years of experience required will correlate with the internal job level requirements for the position
• Strong communication skills and ability to explain complex technical tradeoffs to non-technical stakeholders
• Minimum education: Bachelor’s degree or an equivalent combination of education, training, and/or experience
• We encourage you to apply even if you do not believe you meet every single qualification
• Experience building hybrid rules-and-ML risk systems: real-time scoring at authorization plus post-authorization review workflows
• 8+ years of industry software engineering experience, with a focus on payments fraud or risk
• Experience at a marketplace or subscription business, or on a processor-side or issuer-side risk team
• Fluency with payments rails: card networks, payment service providers (e.g., Stripe, Adyen), in-app purchase platforms (Apple, Google), refund flows, and the chargeback and dispute lifecycle
• Direct experience combating fraud typologies such as card testing, stolen-card monetization, refund and chargeback abuse, subscription and trial abuse, promotional abuse, and friendly fraud
• Understanding of fraud loss accounting — fraud loss vs. dispute fees vs. card network monitoring programs (e.g., VDMP, i VFMP, Mastercard ECP) — and why chargeback rate thresholds carry existential stakes