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

Remote; San Francisco (CA); Hybrid; USD 95,000 - 134,000; Full time

Benefits offered by this job

Stock options

Remote across Europe

Training & development

Job summary

Finom is seeking a highly motivated Fraud Analyst (Acquiring) to join Finom Payments’ Second Line of Defence within Financial Crime Risk Management. You will identify and mitigate card acquiring fraud risks, including merchant abuse, transaction laundering, and friendly fraud, while challenging first-line controls to protect growth and user experience.

In this role you will collaborate with product, engineering and ML teams to translate fraud patterns into rules, thresholds and signals, monitor

Qualifications

• 2+ years of experience in merchant risk, acquiring fraud strategy, or PSP risk management within a regulated financial institution or fintech platform.
• Experience with fraud prevention, fraud detection, fraud investigations and fraud mitigations in the financial sector.
• Knowledge of Visa/Mastercard monitoring programs and chargeback mechanics.
• Knowledge of the end-to-end payments ecosystem.
• Experience with fraud rules, scenarios, or ML-driven controls (end-to-end lifecycle).
• Ability to analyse large datasets; SQL and/or BI tools is a strong advantage.

Responsibilities

• Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports) and external trends to identify emerging acquiring fraud risks.
• Translate observed patterns into acquiring fraud scenarios (Card-Present, Card-not-present, friendly fraud, dispute abuse).
• Maintain and enrich the Acquiring Fraud Typology Library aligned with scheme rules and risk appetite.
• Collaborate with Fraud Risk Manager, product, engineering, and ML teams to translate scenarios into rules and signals.
• Back-test, validate and tune acquiring fraud controls prior to production release.
• Monitor performance metrics (fraud rate, chargeback ratio, false positives) and propose optimisations.
• Act as a Second Line challenger, providing independent oversight of First Line decisions.
• Support Visa/Mastercard monitoring programs and remediation actions.
• Develop training materials and guidance for analysts and QA.
• Assist in drafting system requirements, procedures, and internal policies.

Skills

Merchant risk

Fraud strategy

PSP risk management

SQL

BI tools

English proficiency

Tools

SQL

BI tools

Job description

Finom is seeking a highly motivated Fraud Analyst (Acquiring) to join Finom Payments’ Second Line of Defence within Financial Crime Risk Management. You will identify and mitigate card acquiring fraud risks, including merchant abuse, transaction laundering, and friendly fraud, while challenging first-line controls to protect growth and user experience.

In this role you will collaborate with product, engineering and ML teams to translate fraud patterns into rules, thresholds and signals, monitor