Fraud & Risk Lead — Payments Platform

Ryft; Manchester; On-site; GBP 90,000 - 150,000; Full time

Job summary

Ryft is seeking a Fraud & Risk Manager in Manchester to own and lead the fraud and merchant risk function as a senior individual contributor and people manager. You will define detection rules, oversee fraud monitoring, manage chargebacks, disputes, and vendor relationships.

The role requires hands-on expertise in payments fraud within PSP/acquirer environments, coupling strategic direction with data-driven decision making and cross-functional collaboration.

Qualifications

• Senior fraud & risk leader with hands-on experience in detection and prevention.
• Experience owning or contributing to fraud rule definition and tuning in a rules-based or ML-assisted platform.
• Strong knowledge of chargebacks, dispute management, and fraud monitoring programmes.

Responsibilities

• Own fraud strategy across the platform and balance fraud reduction with merchant experience.
• Define and tune detection rules in our fraud engine; oversee monitoring and reporting.
• Lead chargeback fraud analysis and manage merchant risk monitoring and disputes function.
• Build and develop the Risk Operations team; define roles and headcount as needed.
• Ensure risk activity is audit-ready and FCA-aligned; coordinate with vendors and banks.
• Collaborate with underwriting and commercial teams to inform onboarding decisions.

Skills

Payments fraud expert

Fraud rule definition & tuning

Chargeback & dispute management

Data-driven risk decisions

Mentoring junior analysts

Commercial fraud controls balance

PSP/acquirer/PayFac/card scheme exp

Tools

Fraud.net

Sift

SEON

Stripe Radar

SQL

Job description

Ryft is seeking a Fraud & Risk Manager in Manchester to own and lead the fraud and merchant risk function as a senior individual contributor and people manager. You will define detection rules, oversee fraud monitoring, manage chargebacks, disputes, and vendor relationships.

The role requires hands-on expertise in payments fraud within PSP/acquirer environments, coupling strategic direction with data-driven decision making and cross-functional collaboration.