Acquiring Fraud Investigator (2nd LoD)

DutchTech; España; On-site; PHP 3,065,604 - 4,598,406; Full time

Benefits offered by this job

Stock Options Program

Work & Swim program

Continuous personal and professional development

Job summary

DutchTech is hiring a highly motivated Acquiring Fraud Investigator for our Financial Crime Risk Management function in the Philippines. This role involves identifying and analyzing fraud risks, monitoring fraud controls, and improving Finom's fraud risk framework.

The ideal candidate will have 2-4+ years of experience in payments risk or fraud management and a solid understanding of card fraud typologies. Join us to make a genuine impact on the product while enjoying the flexibility of remote and hybrid working options.

Qualifications

• 2–4+ years of experience in fraud risk or payments risk.
• Solid understanding of card fraud typologies.
• Ability to analyze large datasets.

Responsibilities

• Analyse internal and external data sources for emerging fraud risks.
• Translate patterns into well-defined fraud scenarios.
• Work with teams to translate fraud scenarios into controls.

Skills

Fraud Risk Management

Analytical Skills

SQL

Card Fraud Typologies

Payments Risk

Education

Experience in FinTech or regulated financial institution

Tools

BI tools

Job description

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long‑term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI‑enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business.

Maintaining our start‑up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business.

About the Role

We are looking for a highly motivated Acquiring Fraud Investigator to join Finom Payments’ Second Line of Defence within the Financial Crime Risk Management Function

This role sits in the Fraud Risk Management function, reports to the Fraud Risk Manager and is responsible for identifying and analysing the risks, as well as designing, monitoring, and challenging the effectiveness of Finom’s fraud controls, with a strong focus on acquiring fraud risks such as merchant abuse, friendly fraud, chargebacks, and card schemes compliance risks.

You will play a key role in building and continuously improving Finom’s fraud risk framework, ensuring fraud rates remain within risk appetite without compromising growth or customer experience.

Responsibilities

• What You Will Be Doing

  • Acquiring Fraud Risk & Scenario Development

    • Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes, partners, law enforcement, industry intelligence) to identify emerging fraud risks related to acquiring business.

    • Translate observed patterns into well‑defined acquiring fraud scenarios, covering areas such as Card‑Present and Card‑not‑present fraud, friendly fraud and dispute abuse, merchant fraud, transaction laundering, enumeration and testing attacks

    • Maintain and continuously enrich the Acquiring Fraud Typology Library, aligned with scheme rules, regulatory expectations, and Finom’s risk appetite.

  • • Work closely with the Fraud Risk Manager, product, engineering, and ML teams to ensure correct translation of acquiring fraud scenarios into rules, thresholds and controls as well as machine‑learning features and signals

    • Participate in back‑testing, validation, and tuning of acquiring fraud controls prior to production release.

    • Monitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimisation actions.

  • • Act as a Second Line challenger, providing independent oversight of acquiring fraud risk decisions taken in the First Line.

    • Support scheme‑related topics such as Visa / Mastercard monitoring programs, dispute ratios, and remediation actions.

    • Establish proper stakeholder management with product teams, risk management, quality assurance and operations teams

  • • Develop training materials and guidance for acquiring fraud analysts, dispute teams, and QA.

    • Assist in drafting and reviewing system requirements, procedures, and internal policies related to acquiring fraud prevention.

    • Actively participate in process improvement initiatives and ad‑hoc projects within the Financial Crime Risk Management function.

    • Perform other duties as reasonably required to support the operational efficiency and fraud loss prevention of Finom.

Who you are

• Required Experience & Skills

  • English – full working proficiency

  • 2–4+ years of experience in fraud risk, acquiring fraud, card fraud, or payments risk within a fintech, PSP, or regulated financial institution

  • Experience with fraud prevention, fraud detection, fraud investigations and fraud mitigations in the financial (Banking, PSP, FinTech) sector

  • Solid understanding of card fraud typologies, card scheme rules, and dispute / chargeback mechanics

  • Knowledge of the payments ecosystem, issuing and acquiring

  • Experience working with fraud rules, scenarios, or ML‑driven controls (end‑to‑end lifecycle preferred)

  • Ability to analyse large datasets; experience with SQL and/or BI tools is a strong advantage

  • Strong analytical and critical‑thinking skills

  • Detail‑oriented, proactive, and comfortable working in a fast‑paced, scaling environment

  • Ability to balance risk mitigation with business enablement

Interpersonal Skills

FINOM strongly rejects the “Compliance says No” mindset.

We are looking for someone who:

• Thinks like a risk partner, not a blocker

• Is comfortable challenging assumptions and proposing pragmatic solutions

• Can explain complex fraud risks in simple, business‑friendly language

• Communicates effectively with stakeholders across product, tech, and operations

Interview Process

• Recruiter Interview - 30 mins
• 1st interview - 60 mins
• case and test
• Final Interview -60 mins

What You Will Get In Return

Make a genuine impact on the product

Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.

Work in the EU

Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.

Become a stock options holder

Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.

Receive unwavering support and care

Finom stands by you at every step, embodying our commitment to your well‑being and success reflected in our modern, friendly, and eco‑conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.

Work & Swim program

Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It’s the ideal opportunity to strike the perfect work‑life balance while enjoying breathtaking Mediterranean views.

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.