merchant acquiring fraud analyst in fintech

Finom; United States; Remote; USD 120,000 - 170,000; Full time

Benefits offered by this job

Stock Options

Развитие и обучение

Work & Swim: месяц в Кипре

Job summary

Finom ищет специалиста по рискам Acquiring для анализа источников данных, выявления мошеннических сценариев и разработки правил и сигналов в сотрудничестве с продуктом, инженерией и ML‑командой.

Идеальный кандидат имеет более 2 лет опыта в merchant risk и глубоко знает типологии acquiring мошенничества, включая обработку card‑present и card‑not‑present транзакций. Предлагаются опционы на акции, развитие и программа Work & Swim.

Qualifications

• Не менее 2 лет опыта в merchant risk, acquiring fraud стратегии или PSP‑риске в регламентированном финансовом учреждении или финтех‑платформе.
• Понимание анонимных и PCI–DSS стандартов не требуется, но приветствуется знание схем Visa/Mastercard и правил по возвратам/chargeback.
• Умение анализировать большие наборы данных и общаться с продуктом, инженерией и операциями на языке бизнеса.

Responsibilities

• Анализ внутренних источников данных и тенденций для выявления рисков мошенничества, включая card‑present и card‑not‑present.
• Поддержка и обогащение библиотеки типологий мошенничества по acquiring в соответствии с правилами и запросами Finom.
• Работа с Fraud Risk Manager, продуктом, инженерией и ML‑командами для превращения сценариев в правила и сигналы.
• Участие в бэктестах, валидации и настройке контроля мошенничества до выпуска в продакшн.
• Мониторинг показателей мошенничества, коэффициента chargeback и точности детекции; предложение оптимизаций.
• Обеспечение второй линии надзора за решениями по рискам, работа над проектами Visa/Mastercard.

Skills

Аналитическое мышление

Коммуникационные навыки

Опыт работы с мошенничеством платежей

Tools

SQL

BI‑инструменты

Job description

Описание:

Finom provides an all-in-one financial B2B platform for entrepreneurs, integrating banking, accounting, financial management, and invoicing. Its platform also offers AI-enabled accounting and other features designed to simplify financial management.

Задачи:

Analyse internal data sources and external trends to identify emerging fraud risks related to acquiring Translate observed patterns into well-defined acquiring fraud scenarios, including card-present and card-not-present fraud, friendly fraud, dispute abuse, merchant fraud, transaction laundering, enumeration, and testing attacks Maintain and enrich the Acquiring Fraud Typology Library in line with scheme rules, regulatory expectations, and Finom’s risk appetite Work with the Fraud Risk Manager and product, engineering, and ML teams to translate fraud scenarios into rules, thresholds, controls, and machine-learning features and signals Participate in back-testing, validation, and tuning of acquiring fraud controls before production release Monitor performance metrics, including fraud rate, chargeback ratio, false positives, and merchant friction, and propose optimisation actions Provide independent Second Line oversight of acquiring fraud risk decisions made in the First Line Support scheme-related topics, including Visa and Mastercard monitoring programs, dispute ratios, and remediation actions Establish stakeholder management with product, 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 Participate in process improvement initiatives and ad-hoc projects within the Financial Crime Risk Management function Perform other duties as reasonably required to support operational efficiency and fraud loss prevention

Требования:

Full working proficiency in English At least 2 years of experience in merchant risk, acquiring fraud strategy, or payment processor (PSP) risk management within a regulated financial institution or fintech platform Experience with fraud prevention, detection, investigations, and mitigation in the banking, PSP, or fintech sector Solid understanding of acquiring card fraud typologies, Visa/Mastercard monitoring programs (ECP/VAMP) and rules, and chargeback mechanics Knowledge of the end-to-end payments ecosystem across issuing and acquiring rails Experience with fraud rules, scenarios, or ML-driven controls Able to analyse large datasets Able to challenge assumptions, propose pragmatic solutions, explain complex fraud risks in simple, business-friendly language, and communicate effectively with product, tech, and operations stakeholders Будет плюсом: experience with the end-to-end lifecycle of fraud controls, SQL, BI tools

Условия:

Stock Options Program available to every team member

Resources and opportunities for continuous personal and professional development

Work & Swim Program: one month in a corporate apartment in Cyprus