Distinguished, Software Engineer

Job Description

Position Summary... What you'll do... Distinguished Architect — Identity, Authentication & Fraud Prevention As the Distinguished Architect for Identity, Authentication, and Fraud Prevention, you’ll be principal technical authority defining the end‑to‑end architecture for customer identity, access, and fraud risk, spanning account security, payment fraud, and chargeback reduction. You’ll modernize our identity platforms, fraud decisioning, and ML‑driven risk systems to deliver secure, low‑friction, and loss‑efficient experiences at massive retail scale. You’ll partner across security, payments, fraud, and data science teams to translate trust, risk, and loss outcomes into durable technical designs. What you’ll do Set the target architecture across identity and fraud Define reference architectures, guardrails, and roadmaps spanning CIAM and authentication, account security (ATO, adaptive auth), payment fraud and chargebacks , and ML‑driven risk decisioning. Ensure platforms are designed for AI/ML‑enabled, real‑time decisions at scale. Modernize core identity, fraud, and payments risk platforms Evolve authentication services, fraud gateways, and decision engines to support risk‑based login and checkout, reduce payment fraud and chargebacks, and deliver low‑latency, highly available, cost‑efficient systems. Drive measurable fraud loss reduction Lead the technical approach for payment fraud prevention, anomaly detection, and dispute/chargeback reduction, including strong feedback loops from outcomes back into models and controls. Raise reliability and decision quality Define SLAs/SLOs and KPIs across identity and fraud systems (availability, latency, false positives, MTTR). Champion resiliency, observability, and data quality for always‑on trust platforms. Accelerate risk experimentation Shape APIs, policy frameworks, and data contracts that enable rapid A/B testing of fraud controls and champion/challenger model iterations without degrading customer experience. Influence and up‑level the organization Provide architectural stewardship, deep design reviews, and mentorship to Staff/Principal Engineers and EMs, multiplying impact across identity, fraud, payments, and data platforms. What you’ll bring Large‑scale identity and fraud platform design Experience building and operating CIAM/authentication systems and real‑time fraud and payments risk platforms at scale. Fraud, payments, and chargeback expertise Strong domain knowledge in payment fraud, disputes/chargebacks, anomaly detection, and adversarial behavior. AI/ML and data pipeline fluency Hands‑on experience with fraud ML systems: feature pipelines, model deployment, real‑time inference, experimentation, and monitoring. Reliability and velocity leadership Proven ability to improve SLAs/SLOs and engineering KPIs through sound architecture and operational excellence. Executive‑level influence Clear storytelling that ties architecture to outcomes such as fraud loss, chargeback rate, approval rate, and

Required Skills