Acquiring Fraud Risk Analyst — 2nd Line (Remote EU)

Finom; Polska; Hybrid; PLN 264,000 - 396,000; Full time

Job summary

Finom is hiring a Merchant Acquiring Fraud Analyst (2nd LoD) to join the Fraud Risk Management team. You will identify and mitigate card acquiring fraud risks, monitor controls, and collaborate with product, engineering and ML teams to improve the fraud framework across Europe.

The role requires 2+ years in merchant risk or PSP risk management, knowledge of fraud typologies, and strong data analysis skills (SQL/BI). Remote across Europe with stock options and career growth opportunities.

Qualifications

• English – full working proficiency.
• 2+ years of experience in merchant risk, acquiring fraud strategy, or payment processor risk management within a regulated financial institution or fintech.
• Experience with fraud prevention, detection, investigations and mitigations in financial sector.
• Solid understanding of acquiring card fraud typologies and monitoring programs.
• Knowledge of end-to-end payments ecosystem across issuing and acquiring rails.
• Experience with fraud rules, scenarios, or ML-driven controls (end-to-end lifecycle).
• Ability to analyse large datasets; experience with SQL and/or BI tools.

Responsibilities

• Identify, analyze and mitigate card acquiring fraud risks including merchant abuse, bust-outs, transaction laundering, friendly fraud and chargeback spikes.
• Monitor and challenge effectiveness of first-line fraud controls as Second Line defender.
• Translate observed patterns into well-defined acquiring fraud scenarios across Card-Present and Card-not-present fraud.
• Maintain Acquiring Fraud Typology Library in line with scheme rules and risk appetite.
• Collaborate with Fraud Risk Manager, product, engineering and ML teams to translate scenarios into rules and ML features.
• Back-test, validate and tune acquiring fraud controls prior to production release.
• Monitor performance metrics and propose optimization actions.
• Draft and review system requirements, procedures and internal policies related to acquiring fraud prevention.

Skills

Merchant risk

Acquiring fraud

SQL

BI tools

Fraud rules/scenarios

ML-driven controls

Regulated fintech

Tools

SQL

Job description

Finom is hiring a Merchant Acquiring Fraud Analyst (2nd LoD) to join the Fraud Risk Management team. You will identify and mitigate card acquiring fraud risks, monitor controls, and collaborate with product, engineering and ML teams to improve the fraud framework across Europe.

The role requires 2+ years in merchant risk or PSP risk management, knowledge of fraud typologies, and strong data analysis skills (SQL/BI). Remote across Europe with stock options and career growth opportunities.