Product Specialist, Payment Threat Intelligence

Mastercard Inc.; Toronto; On-site; CAD 75,000 - 120,000; Full time

Job summary

Mastercard is seeking a curious, analytical investigator to join the Payment Threat Intelligence team in Toronto. You will identify, investigate, and analyze emerging threats and fraud affecting the global payments ecosystem, transforming observations into actionable intelligence for technical and non-technical audiences.

The role focuses on working in ambiguous environments with persistence and critical thinking, collaborating with product, data science, and stakeholder teams to strengthen

Qualifications

• Experience conducting investigations, analytical research, intelligence analysis, or fraud/cyber threat analysis.
• Ability to identify patterns and draw conclusions from evolving information.
• Strong written and verbal communication for diverse audiences.

Responsibilities

• Conduct investigations into emerging fraud schemes, cyber threats, and criminal activity affecting the payments ecosystem.
• Analyze large datasets to identify patterns, anomalies, and trends indicating risks.
• Develop hypotheses and pursue leads using internal data, open-source research, and resources.

Skills

Investigations

Fraud analysis

Cyber threat analysis

Data analysis

Open-source research

Intelligence reports

Communication

Collaboration

Independent work

Ambiguity navigation

Job description

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential.

Title and Summary Product Specialist, Payment Threat Intelligence Overview:

Mastercard’s Services team is responsible for safeguarding trust in payments, both now and in the future. We help ensure that transactions and interactions across the digital economy are safe, simple, and smart. The Card & Payment Ecosystem Security organization develops intelligence-driven products and capabilities that help customers identify, understand, and respond to emerging fraud and cyber threats impacting the payments ecosystem.

About the Role:

Mastercard is seeking a curious, analytical, and self-directed investigator to join the Payment Threat Intelligence team. This role focuses on identifying, investigating, and analyzing emerging threats, fraud trends, and criminal activity impacting the global payments ecosystem. Successful candidates are motivated by solving complex problems, connecting disparate pieces of information, and transforming observations into actionable intelligence. The ideal candidate is comfortable operating in ambiguous environments where investigative paths are not predefined and where persistence, critical thinking, and sound analytical judgment are required to uncover meaningful insights.

Role & Responsibilities:

• Conduct investigations into emerging fraud schemes, cyber threats, and criminal activity affecting the payments ecosystem.
• Analyze large and diverse datasets to identify patterns, anomalies, relationships, and trends that may indicate emerging risks.
• Develop investigative hypotheses and pursue leads using a combination of internal data, open-source research, and intelligence resources.
• Produce clear, actionable intelligence reports, briefings, and assessments for both technical and non-technical audiences.
• Monitor developments across the fraud, cybercrime, and payments threat landscape to identify emerging risks and opportunities for further investigation.
• Collaborate with product, data science, and stakeholder teams to enhance Mastercard’s understanding of threats impacting customers and the broader ecosystem.
• Contribute to the development of methodologies, analytical frameworks, and intelligence processes that improve investigative outcomes.
• Translate complex analytical findings into intelligence that supports customer decision‑making, product strategy, and ecosystem security initiatives.

All About You:

• Experience conducting investigations, analytical research, intelligence analysis, fraud analysis, cyber threat analysis, or other problem‑solving activities involving large or complex datasets.
• Demonstrated ability to identify patterns, develop hypotheses, and draw conclusions from incomplete or evolving information.
• Strong research and critical thinking skills with a natural curiosity for understanding how fraud, cyber threats, and criminal ecosystems operate.
• Ability to work independently, manage multiple lines of inquiry, and drive investigations forward with limited direction.
• Excellent written and verbal communication skills, including the ability to explain complex findings to diverse audiences.
• Experience leveraging quantitative and qualitative information sources to develop actionable insights.
• Comfortable navigating ambiguity and adapting investigative approaches as new information emerges.
• Collaborative mindset with the ability to work effectively across technical, analytical, and business‑focused teams.

Preferred Qualifications:

• Experience working with payment card, fraud, cyber, risk, intelligence, trust and safety, digital investigations, law enforcement, financial crimes, research, or related domains.
• Experience leveraging datasets such as authentication, authorization, clearing, transaction, identity, cyber, or intelligence‑related data sources.
• Experience producing analytical reports, intelligence products, threat assessments, or investigative findings for internal or external stakeholders.

Application Requirement

Mastercard is a merit‑based, inclusive, equal opportunity employer that considers applicants without regard to gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. We hire the most qualified candidate for the role. In the US or Canada, if you require accommodations or assistance to complete the online application process or during the recruitment process, please contact [e-mail] and identify the type of accommodation or assistance you are requesting. Do not include any medical or health information in this email. The Reasonable Accommodations team will respond to your email promptly.

Corporate Security Responsibility All activities involving access to Mastercard assets, information, and networks comes with an inherent risk to the organization and, therefore, it is expected that every person working for, or on behalf of, Mastercard is responsible for information security and must: Abide by Mastercard’s security policies and practices; Ensure the confidentiality and integrity of the information being accessed; Report any suspected information security violation or breach, and Complete all periodic mandatory security trainings in accordance with Mastercard’s guidelines.

In line with Mastercard’s total compensation philosophy and assuming that the job will be performed in Canada, the successful candidate will be offered a competitive pay based on location, experience and other qualifications for the role and may be eligible to participate in a discretionary annual incentive program.

Pay Ranges Toronto, Canada: $75,000 - $120,000 CAD

Everyone wants easier ways to pay; we invent them. Checkout lines are slow; we speed them along. Merchants want more sales; we give them data and insights. People need financial access; we connect them. Corporate purchasing is complicated; we make it simple. Commuters are busy; we speed them on their way. Governments need greater efficiencies; we help create them. Small businesses are virtual; we give them access to a world of buyers. Retailers want to fight fraud; we provide the tools.