merchant acquiring fraud analyst in fintech

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.

• 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

• 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

• 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