---
title: 'Machine Learning Lead at Coinflow'
canonical: 'https://feeny.ai/job/machine-learning-lead-coinflow-chicago-eyvne7jnt6jn'
type: 'job'
last_seen: '2026-09-11'
---

# Machine Learning Lead at Coinflow

- **Company:** Coinflow
- **Location:** Chicago, IL
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-06-26
- **Last confirmed live:** 2026-09-11
- **Apply:** https://jobs.ashbyhq.com/coinflow/cfcb2581-87c7-4db1-9679-0364eea1e23c

## Job description

## About Coinflow

Coinflow is the next-generation payment service provider revolutionizing global financial infrastructure with stablecoins, AI-driven fraud prevention, and instant settlement. Coinflow enables businesses to grow faster with instant settlement, fraud & chargeback indemnity, global pay-ins, multi-currency FX, and unified payouts. Founded in 2023, the company serves marketplaces, fintechs, remittance providers, gaming platforms, and ecommerce merchants worldwide.

Since our seed round in 2024, we’ve achieved 23x revenue growth and scaled to multi-billion-dollar annual transaction volume. In response to this growth, Coinflow announced a [$25M Series A](https://coinflow.cash/blog/coinflows-series-a) in October 2025—led by Pantera Capital, CMT Digital, Coinbase Ventures, Jump Crypto, and Reciprocal Ventures—accelerating our mission to power the world’s fastest-moving businesses with innovative, reliable global payments.

Coinflow is proudly headquartered in Chicago, IL. Learn more at [coinflow.cash](http://coinflow.cash). Role Overview: Coinflow is seeking a Machine Learning Lead to own the fraud and risk intelligence layer at the core of our platform. This is a founding ML role. You'll lead our first dedicated ML team, building capabilities that combine our first-party transaction data with partner signals to optimize approval rates across payment methods and geographies, sharpen risk decisioning during merchant underwriting, and improve fraud detection across global payment methods. That means digging into large-scale transaction and behavioral data, shipping production fraud models, defining what good looks like, and continuously raising the bar on detection and precision as our volume and merchant base scale. The ideal candidate has hands-on experience building fraud models on the acquiring side of payments and working alongside external fraud vendors to tackle card-present or card-not-present fraud, authorization decisioning, chargeback reduction, and related risk systems.

## Key Responsibilities

- Strengthen Coinflow's fraud detection and risk decisioning capabilities — feature engineering, model development, and production deployment
- Own the full model lifecycle: experimentation, evaluation, monitoring, and iteration
- Define and track core fraud and risk metrics — detection rate, false positive rate, chargeback rate, dispute win rate — and continuously improve them
- Explore transaction and behavioral data to surface new fraud signals and emerging attack patterns
- Partner with Engineering, Product, and Operations to embed fraud intelligence directly into payment flows and internal tooling
- Integrate and orchestrate external fraud/risk partners, getting maximum value from their tooling
- Establish the foundation for ML and data practices across the company
- Help shape Coinflow's long-term fraud, risk, and ML roadmap

Required Qualifications

- 5+ years in machine learning, applied data science, or production ML roles
- Demonstrated experience building fraud models in payments, with direct exposure to the acquiring side — acquirer, PSP, or payment facilitator
- Proven track record taking ML projects from proof-of-concept to fully deployed, productionized systems
- Deep familiarity with acquiring-side fraud dynamics: authorization fraud, card-not-present fraud, friendly fraud, chargeback patterns, and merchant risk
- Strong foundation in ML, statistics, and feature engineering on high-volume financial data
- Comfortable owning ambiguous problems end-to-end and creating structure where none exists
- Strong collaborator across Engineering, Product, and Ops

## Preferred Qualifications

- Experience at an acquirer, ISO, PayFac, or payments infrastructure company
- Experience developing, managing, and scaling MLOps pipelines and monitoring systems (retraining schedules, real-time performance metrics)
- Experience scoping cloud compute requirements for scalable ML workloads
- Familiarity with card network rules, dispute/chargeback workflows, and fraud liability frameworks
- Experience as an early or sole ML hire at a startup
- Exposure to real-time or near-real-time fraud scoring systems
- Experience with stablecoin, crypto, or alternative payment rails

What We Offer:

- Competitive compensation including base salary, performance bonus, and meaningful ownership
- Opportunity to build the fraud and risk intelligence layer of a rapidly scaling fintech company
- Collaborative and innovative work environment with world-class investors
- Direct impact on core risk infrastructure and company trajectory during a hyper growth phase

The base salary range for this role is $225,000 - $275,000 USD. The actual base salary offered depends on a variety of factors, including but not limited to experience, education, skills, qualifications and business needs. In addition, the employee who fills this role will be eligible for an equity grant, allowing you to share in the long-term success of the company. You will also have access to a wide array of benefits, including health and wellness benefits, 401(k) savings plan, and flexible time off.

Join the team rewriting how money moves worldwide—and become a driving force in the $194 trillion cross-border payments market.

## About Coinflow

## Company Overview
- **One-liner**: Coinflow provides a next-generation global payment infrastructure platform that enables businesses to accept payments, settle funds instantly, and orchestrate payouts and FX using stablecoins and AI-driven fraud prevention.
- **Entity Type**: Private (Series A)
- **Headquarters**: Chicago, Illinois, United States
- **Founded**: 2022
- **Founders**: Daniel Lev (CEO), Benjamin Meeder (CTO), Jake Montgomery (COO)

## Core Business
- **Primary industry/industries**: Financial Services, Payments Infrastructure, Fintech
- **Target customers**: B2B – Marketplaces, gaming platforms, remittance providers, fintechs, e-commerce merchants, and cross-border payroll companies expanding globally.
- **Mission or purpose statement**: “We’re on a mission to power the world’s fastest-moving businesses with the fastest global payments.”

## Products & Services
- **Global Pay-ins**: Accept payments in 170+ countries with support for local payment methods and currencies.
- **Instant Settlement**: Settle funds instantly on every transaction, leveraging stablecoins to eliminate traditional settlement delays.
- **FX Orchestration**: Seamless multi-currency conversion and management for global operations.
- **Unified Payouts**: Send funds instantly to vendors, workers, or users worldwide, with local rails and global coverage.
- **Fraud & Chargeback Indemnification**: Full protection against fraud and chargebacks, meaning merchants are indemnified for losses.
- **Low-code Widgets & Elegant APIs**: Developer-focused tools including low-code components for quick integration and full API access for custom payment experiences.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company).
- **Key Metric**: Total funding of **$30.9M** closed as of November 2025 Series A; annual revenue estimated at **$1.7M** (high-growth, pre-revenue-optimized stage).
- **Notable Investors/Partners**: Led by **Pantera Capital** (Series A, $25M). Other investors include **Reciprocal Ventures**, **Jump Crypto**, **CMT Digital** (Seed). The platform has partnerships with multiple U.S. banks for payment processing and fund disbursement.
- **Growth Signals**:
  - +276.9% headcount growth year-over-year (from ~4 to 40 employees).
  - Active job postings increased 75% month-over-month, with 14 open roles.
  - LinkedIn followers grew +349.2% year-over-year (11,940 followers).
  - Processing payments and live on multiple blockchains.

## Competitive Advantages
- **Speed of Implementation**: Go-to-market in days with low-code widgets and simple API integration, significantly faster than legacy payment processors.
- **Instant Settlement via Stablecoins**: Uses blockchain-based stablecoins (e.g., USDC) to provide instant settlement, solving a massive pain point for merchants who wait days for funds.
- **Full Indemnification**: Offers complete fraud and chargeback protection, a strong differentiator in a market where merchants often bear liability.
- **Developer-First DNA**: Built by engineers for engineers, the company emphasizes elegant APIs, detailed documentation, and a fast, minimal-friction integration experience.
- **Unified Platform**: Combines pay-ins, FX, and payouts in a single integration, eliminating the need to juggle multiple vendors.

## Strategic Focus
- **Expanding global payout coverage** and adding more local payment rails.
- **Strengthening compliance, risk, and regulatory tools** to help merchants scale confidently.
- **Enhancing developer experience** with richer APIs, documentation, and integrations.
- **Partnering with financial institutions** to bridge traditional finance and blockchain.

## Why Work Here
- **Culture**: A “move fast with precision” ethos that values speed, ownership, and judgment. Employees are trusted to make decisions and drive progress without heavy process.
- **Engineering Focus**: Heavy investment in technical talent (29% of staff in technical roles). Strong emphasis on developer experience and product quality.
- **Growth Stage**: Extremely high-growth environment (headcount up ~277% YoY, fresh $25M Series A). This is a genuine scale-up, offering roles with high ownership and impact.
- **Team**: Founded by experienced technologists with roots in both blockchain and traditional finance. Notable talent from companies like PayPal, Worldpay, B2 Bank, and ZBD.
- **Work Model**: Headquarters in Chicago (406 N Sangamon St), with offices in Chicago and Malta. 78% of current staff are US-based (Chicago), 4% in Malta. Remote/hybrid details not explicitly stated but likely flexible given tech-forward culture.
- **Perks**: Strategic support from a dedicated team and investors; focus on speed (instant settlements) and reliability. Product live in 170+ countries.

## Sources
1. [coinflow.cash](https://coinflow.cash/)  
2. [coinflow.cash/about-us](https://coinflow.cash/about-us/)  
3. [LinkedIn](https://www.linkedin.com/company/coinflow-labs)  
4. [VentureRadar](https://www.ventureradar.com/organisation/Coinflow%20Labs/0bc619e8-8562-40cc-8f20-913f77b98c56)  
5. [Jobs page](https://jobs.ashbyhq.com/Coinflow)

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