Risk Analyst (SQL), Card Payment Fraud

About the role

This position focuses on protecting our platform from fraudulent card payment activities. You will analyze transactions, develop strategies to prevent fraud, and investigate suspicious cases to maintain platform integrity and user safety.

Key facts

What you'll do

• Monitor card transactions in real-time, identifying and flagging suspicious patterns.
• Create, refine, and implement fraud detection rules and risk assessment methods to balance fraud prevention with customer experience.
• Investigate potential fraud incidents, determine their origin, and take appropriate actions.
• Track fraud-related losses, chargeback rates, and other key performance indicators, providing reports to leadership.
• Assist dispute resolution teams with fraud-related chargebacks and network codes.
• Collaborate with product, engineering, data science, and compliance teams to enhance fraud detection systems.
• Identify and address new fraud trends and attack methods.

Requirements

• Minimum 3 years of experience in card payment fraud risk, preferably from an issuer or processor perspective.
• Comprehensive understanding of the card payment process, including authorization, clearing, settlement, and the roles of different entities.
• Familiarity with authorization message formats, decline codes, address verification, card security codes, and secure authentication protocols.
• Knowledge of common fraud types such as card-not-present, account takeover, counterfeit cards, and card testing.
• Experience using fraud detection or rules engines.
• Proficient in SQL for data analysis and quantifying risk.
• Understanding of the chargeback process and dispute reason codes.

Nice to have

• Experience optimizing real-time authorization rules and analyzing the impact on fraud and false positives.
• Exposure to machine learning models for fraud detection and risk scoring.
• Familiarity with cryptocurrency-linked cards and crypto-to-fiat transactions.
• Knowledge of payment card industry security standards and regulatory compliance.
• Relevant professional certifications.

Skills & tools

• SQL

Practical notes

• Visa sponsorship is not available for this role.
• Travel requirements are minimal.
• Benefits include a competitive salary and company benefits.
• Please review our Candidate Privacy Notice before applying.