PayPal·Data Scientist·Technical Phone Screen
- You're on the payments-risk team and two new transactions come in with attributes like amount, issuing country, device type, historical fraud rate, and card age. Walk through your real-time decision process for each transaction, name at least three risk strategies you'd deploy right away, and explain the trade-offs between false positives and chargebacks.
“I started with the obvious stuff, velocity checks and rule-based thresholds, but then kind of froze when they pushed on how I'd actually set those thresholds.”