Fraud Prevention Specialist

RecargaPay; Brasil; Teletrabalho; BRL 20.000 - 80.000; Tempo integral

Resumo da oferta

A RecargaPay, uma empresa que transforma o cenário financeiro no Brasil, procura um Especialista em Prevenção à Fraude de Cartão de Crédito. Neste papel, você será essencial na proteção de nossos ativos e clientes contra fraudes, utilizando suas habilidades avançadas em análise de dados e conhecimentos técnicos em tecnologia de prevenção de fraudes. Se você é motivado por resultados e busca fazer a diferença, este é o seu lugar.

Serviços

Assistência médica e odontológica sem co-pagamento

Seguro de vida

Auxílio em casa com depósito mensal via aplicativo RecargaPay

Parcerias educacionais e descontos

Trabalhe de qualquer lugar — localidade flexível

Qualificações

• Mínimo de 5 anos de experiência comprovada em prevenção de fraudes.
• Entendimento profundo de tipos de fraude e mecanismos de ataque.
• Habilidades avançadas em SQL para extração e análise de dados.

Responsabilidades

• Monitorar transações e contas em tempo real; investigar atividades suspeitas.
• Analisar grandes conjuntos de dados para identificar tendências de fraude.
• Desenvolver e otimizar regras de prevenção de fraudes.

Conhecimentos

Análise de Dados

SQL

Data Visualization

Pensamento Crítico

Resolução de Problemas

Formação académica

Grau em Negócios, Economia, Engenharia, Ciência da Computação, Estatística ou áreas relacionadas

Ferramentas

Tableau

DataBricks

Cybersource

FICO Falcon

Descrição da oferta de emprego

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

You will be responsible for the UX role supporting the product area with your Senior Product Design knowledge to create the best experience for our users. This includes translating customer needs through research, and transforming business requirements into attractive, efficient, and highly usable designs.

Additionally, we are seeking a specialized professional in Prevenção à Fraude de Cartão de Crédito who will play a strategic role in safeguarding our assets and protecting our customers from evolving fraud threats. This role involves analyzing fraud patterns, developing and optimizing prevention strategies, managing detection technologies, and collaborating across teams to enhance our security measures.

Key Responsibilities include:

• Monitoring transactions, accounts, and fraud alerts in real-time; conducting in-depth investigations of suspicious activities.
• Analyzing large transactional and behavioral datasets using SQL and BI tools (Tableau/DataBricks) to identify fraud trends and vulnerabilities.
• Developing, testing, and refining fraud prevention rules in decision engines and specialized platforms, balancing risk detection and customer experience.
• Managing and optimizing the performance of fraud prevention technologies, such as authentication systems (e.g., 3D Secure 2.0).
• Conducting post-incident analyses to identify root causes and recommend improvements.
• Handling chargeback processes related to fraud, including dispute analysis and optimizing reversal rates.
• Collaborating with Product, Engineering, Risk, Compliance, Customer Service, and Legal teams to align strategies and share insights.
• Staying updated on the latest fraud typologies, attack vectors, prevention technologies, and regulatory changes.
• Preparing reports, dashboards, and presentations on fraud metrics and strategy performance.
• Participating in the evaluation and implementation of new fraud prevention tools and vendors.

Essential Qualifications:

• Degree in Business, Economics, Engineering, Computer Science, Statistics, or related fields. Certifications like CFE are a plus.
• At least 5 years of proven experience in fraud prevention within credit card issuing, banking, or fintech sectors.
• Deep understanding of various fraud types (CNP, CP, ATO, synthetic identity, friendly fraud, etc.) and attack mechanisms.
• Advanced SQL skills for data extraction and analysis.
• Experience with data visualization tools (Tableau, DataBricks, etc.) for reporting.
• Practical knowledge of configuring and optimizing fraud rules in platforms like Cybersource, Feedzai, FICO Falcon, or similar.
• Understanding of technologies such as 3D Secure (especially 3DS2), tokenization, and AI/ML applications in fraud detection.
• Familiarity with chargeback processes, card network dispute rules, and fraud monitoring programs.
• Knowledge of relevant financial and payment regulations (LGPD, BACEN standards, KYC/AML).

Preferred Skills:

• Strong analytical skills, with the ability to interpret complex data and identify subtle patterns.
• Critical thinking, attention to detail, and problem-solving capabilities.
• Ability to work under pressure, make quick decisions, and manage multiple priorities.
• Excellent communication skills to articulate technical insights clearly to diverse audiences.
• Proactive attitude, curiosity, and a continuous learning mindset.
• Team-oriented, collaborative, and adaptable to changing environments.

Key Success Indicators:

• Consistent reduction in financial losses due to fraud.
• Enhanced fraud detection rates and early identification of new attack patterns.
• Minimized false positives while maintaining high approval rates.
• Improved chargeback success rates related to fraud.
• Successful implementation of new fraud prevention strategies with measurable impact.
• Positive stakeholder feedback regarding insights and strategic support.

Perks & Benefits:

• Medical and dental insurance with no co-pay;
• Life insurance;
• Flexible meal allowance via Flash;
• TotalPass health program;
• Home office assistance with monthly deposit via RecargaPay app;
• Educational partnerships and discounts;
• Work from anywhere — flexible location.

Diversity & Inclusion

We embrace diversity and are committed to fostering an inclusive environment where everyone can be authentic and valued. We seek to build a team that reflects varied backgrounds, perspectives, and experiences, believing this drives innovation and success.

Data Use & Privacy

By submitting your resume, you consent to the use of your data for recruitment purposes and potential opportunities within RecargaPay. You may request data updates or deletions at any time, in accordance with LGPD regulations.