Fraud Prevention Manager

This is a fully remote position, open to applicants in Brazil.

📋 Description

• Develop, assess, and enhance the strategy for preventing transactional fraud within Brazil's operations, including cards, Pix, recurring payments, and digital channels.

• Oversee rules, scoring systems, lists, anti-fraud parameters, and decision-making strategies while maintaining a balance between fraud, false positives, approvals, and financial impacts.

• Track fraud-related metrics, including chargebacks, disputes, prevented losses, approval rates, false positives, and customer behavior across channels, MCCs, products, and payment methods.

• Engage in the chargeback process, which involves monitoring rates, conducting root-cause analyses, implementing preventive measures, and utilizing alerts and prevention tools.

• Supervise card network programs such as Visa VAMP, Mastercard ECP, and other relevant initiatives.

• Analyze portfolio transactional behavior to detect anomalies, merchant fraud, transaction laundering, bust-out schemes, autofraud (self-fraud), and operational misuse.

• Assist in making informed decisions regarding limits, blocks, reserves, customer reviews, merchant delisting, or operational changes.

• Address Pix-specific fraud, which includes social engineering, self-fraud, disputes via MED, and patterns of operational abuse.

• Define requirements for automation, data handling, integrations, reporting, and systemic enhancements in collaboration with the Product, Technology, and Data teams.

• Cultivate operational relationships with acquirers, card networks, anti-fraud vendors, and payment partners.

• Aid in the development of governance structures, routines, KPIs, and executive materials focused on fraud prevention.

• Contribute to analyses and discussions pertaining to LATAM markets, with an emphasis on Mexico.

⛳️ Requirements

• Extensive experience in fraud prevention within an acquirer, sub-acquirer, gateway, PSP, fintech, bank, issuer, or other relevant digital payments operations.

• Practical knowledge of cards, Pix, chargebacks, disputes, anti-fraud initiatives, transactional rules, and risk indicators.

• Proficient with anti-fraud tools, decision engines, bureaus, scoring systems, lists, custom rules, or proprietary solutions.

• Understanding of the chargeback cycle and its operational and financial implications for sub-acquiring, gateway, or digital payments operations.

• Proven experience in balancing fraud prevention with false positives, approvals, user experience, and financial impact.

• Strong analytical abilities complemented by advanced spreadsheet skills, KPIs, and transactional data analysis.

• Capability to convert fraud-related issues into actionable steps prioritized by financial impact, risk, and effort.

• Effective communication skills with technical, operational, commercial, and regulatory areas, as well as external vendors.

• Ability to serve as a technical authority in fraud prevention, supporting decisions, analyses, routines, governance, and mitigation plans.

• Experience with recurring payments, utilities, telecom, education, insurance, or other high-volume transactional sectors.

• Familiarity with card network programs, chargeback monitoring, and dispute prevention tools.

• Proficient in SQL, BI, or creating dashboards.

• Experience in sub-acquiring environments, split payments, multi-merchant configurations, multiple MCCs, gateway, or white-label operations.

• Knowledge of LATAM markets, including transactional behavior, local payment methods, acquirers, gateways, banks, card networks, processors, switches, and data bureaus.

• Intermediate or advanced proficiency in Spanish.

• Familiarity with AML and understanding of BACEN regulations.

🏝️ Benefits

• Bradesco National Health Plan - extended to dependents without additional per-dependent charges.

• Optional Bradesco plan available.

• Flexible meal/food allowance (VR/VA) - maintained during vacation periods.

• Profit Sharing (PLR).

• Wellhub access.

• Day off for birthdays.

• Home office allowance provided.

• Commuter allowance (VT) as needed, with legally permitted deductions applicable.

• Zurich life insurance coverage.

• Complimentary access to a suite of our products - AppsClub, Discount Club, TrueCaller, BTFit, and Busuu.

• Access to internal training through digital platforms.

• Internal employee recognition program - Bemobucks.