About the Role
In this role, you will play a crucial part in preventing and managing card fraud activity across various transaction types. You will monitor real-time and post-transaction card activities and respond to fraud alerts, ensuring a secure environment for users. Your responsibilities will include investigating suspicious transactions, managing disputes, and collaborating with product teams to enhance fraud prevention measures.
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Key Responsibilities
- Monitor real-time and post-transaction card activity (CNP, card-present, ATM, tokenised wallets) and act on fraud alerts within SLA
- Investigate suspicious accounts and transactions, including account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse
- Make block, decline, step-up, and card-lifecycle decisions; escalate linked AML/sanctions concerns to Compliance
- Manage disputes and chargebacks end to end under Visa/Mastercard rules: evidence, representment, pre-arbitration, and arbitration
- Tune fraud rules and velocity limits with the issuer-processor (e.g. Marqeta, Adyen, Thredd, Nium) and fraud tooling; measure false positives against loss
- Track and report KPIs: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, recovery rate
- Keep the programme within scheme monitoring thresholds (e.g. VAMP, ECM/EFM) and support scheme and partner audits
- Write and maintain playbooks, SOPs, and QA checks; train Support on fraud-related customer contacts
- Feed fraud trends back to Product and Engineering to improve onboarding, 3DS, and authorisation controls
Requirements
- 3+ years in card fraud operations, disputes, or payments risk at an issuer, EMI, neobank, PSP, or card programme manager
- Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines
- Practical experience with card fraud typologies and controls: 3DS/SCA, velocity rules, device and behavioural signals, tokenisation
- Working experience with fraud and case-management tools (e.g. Featurespace, Sardine, SEON, Feedzai or in-house) and an issuer-processor dashboard
- Strong data skills: SQL and Excel/Sheets to pull, slice, and explain fraud trends
- Sound judgement under time pressure; clear written investigation notes
- Understanding of PSD2 and EU/UK payments regulation
- Fluent English
Nice to Have
- Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorisation
- Experience launching a card programme in a new market or with a new BIN sponsor
- Scheme monitoring programme remediation experience
- Python or BI tooling (Looker, Tableau, Metabase)
- Certifications: CFE, ACAMS or equivalent
- Additional European languages
Why Join Us
At the company, we are committed to fostering a supportive and enriching work environment. Our benefits include:
- Study Growth Fund: We support your professional development and continuous learning.
- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
- Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.
