Machine Learning Lead

Coinflow is the next-generation payment service provider, building global financial infrastructure that combines stablecoins, AI-driven fraud prevention, and instant settlement into a single stack. Merchants get their money instantly, fraud-free, with chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Customers span marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Traction and stage: - Seed round 2024 to 23x revenue growth since seed - Multi-billion-dollar annual transaction volume - $25M Series A closed October 2025, led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, Reciprocal Ventures

Coinflow is hiring its Machine Learning Lead, the founding leader of Coinflow's ML function and the single owner of the entire fraud and risk intelligence line of business. This person is going to be owning this business unit. They're going to be the person who's willing to be chewing glass and getting their hands dirty, and then also giving presentations to executives on the status of our system, how we're thinking about taking on risk exposure, how we're calculating projected losses.

Setting high-level strategy, communicating it, and communicating what resources they need to achieve it. The mandate - Take Coinflow's fraud detection in-house. Coinflow currently uses a third-party vendor. The ML Lead builds the internal replacement from POC through production, ramping volume off the vendor onto Coinflow's own models - Own the risk-decisioning strategy, approval rates vs. rejection rates vs. loss exposure.

Decide the trade-offs. Present them to the exec team. - Feature engineering. model development. production deployment for authorization fraud, card-not-present fraud, friendly fraud, chargeback patterns, merchant risk - Full ML lifecycle ownership, experimentation, evaluation, monitoring, retraining schedules, real-time performance metrics - Define and track fraud metrics, detection rate, false positive rate, chargeback rate, dispute win rate - Enrich Coinflow's first-party transaction data with partner signals, orchestrate external fraud/risk vendors and get maximum value from their tooling - Cross-functional: partner with Engineering, Product, Operations, Legal, and Compliance.