Card Risk Operations Lead

Bybit; Abu Dhabi; On-site; AED 180,000 - 240,000; Full time

Job summary

Bybit is seeking a Fraud Operations professional to monitor card activity, investigate suspicious accounts, and manage disputes under Visa/Mastercard rules. The role focuses on preventing fraud, tuning rules, and reporting KPIs to help maintain secure payment experiences for Bybit users globally.

The ideal candidate brings 3+ years of card fraud operations experience, strong SQL/Excel skills, and familiarity with leading fraud tools.

Qualifications

• 3+ years in card fraud operations, disputes or payments risk.
• Hands-on knowledge of Visa and Mastercard dispute rules and chargeback timelines.
• Strong data skills: SQL and Excel/Sheets.
• Experience with fraud tooling and issuer-processor dashboards.

Responsibilities

• Monitor real-time and post-transaction card activity and act on fraud alerts.
• Investigate suspicious accounts and transactions: account takeover, card testing, BIN attacks, friendly fraud.
• Make block/decline/step-up decisions and resolve disputes under card rules.
• Tune fraud rules and measure false positives against loss.
• Track and report KPIs and support audits.

Skills

Card fraud operations

Data analysis

SQL

Excel

Tools

Featurespace

Sardine

SEON

Feedzai

Job description

Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance.

Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution.

Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services.

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: account takeover, card testing, BIN attacks, merchant collusion, friendly fraud and first-party abuse
• Make block, decline, step-up and card-lifecycle decisions; escape 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
• Understanding of PSD2 and EU/UK payments regulation

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
• Python or BI tooling (Looker, Tableau, Metabase)
• Certifications: CFE, ACAMS or equivalent

Why Join Us

At Bybit, 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.