Fraud Strategy Specialist – Payment Risk

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

📋 Description

• Take ownership of fraud performance across payment instruments and rails.

• Identify root causes behind significant fraud vectors and develop impactful controls.

• Enhance friction management using 3DS/SCA, holds, paused payments, dynamic friction, and product/UX modifications.

• Collaborate with Product and Engineering teams to integrate fraud controls into payment and money movement processes.

• Leverage expertise in card authorization, 3DS/SCA, ACH return codes, NACHA mechanics, settlement timing, tokenized wallets, and chargeback reason codes.

• Design and execute A/B tests to assess controls and measure conversion and customer experience impacts.

• Perform in-depth analyses of payment fraud strategies, organized fraud activities, and emerging threats.

• Work alongside Data Science on payment fraud models, vectors, and feature engineering.

• Create and manage decision-making logic in Sardine/Oscilar while phasing out redundant or ineffective rules.

⛳️ Requirements

• Bachelor’s degree in a quantitative discipline or a related field (Math, Economics, CS, Statistics, Data Science) — or equivalent practical experience.

• 4–6 years of experience in fraud/payment risk, showcasing a thorough understanding of payment instrument and rail mechanics.

• Proficient knowledge of 3DS/step-up authentication.

• Comprehensive understanding of payment systems and fraud surfaces: cards, ACH (return codes, NACHA), wires, settlement timing, tokenized wallets, and chargeback mechanics.

• Demonstrated capability to mitigate fraud through product and action design, beyond just rule-writing.

• Advanced skills in SQL and Python, with the capability to handle large datasets and conduct complex analyses independently.

• Experience in designing and interpreting experiments (A/B testing).

• Familiarity with machine learning concepts and their application in fraud detection.

• Experience with BI tools (Looker, Tableau, or similar).

• Excellent communication skills for both technical and non-technical audiences.

• Proficient in English.

• A strong analytical curiosity to delve into data to identify fraudsters.

• Equivalent qualifications in the areas mentioned will also be taken into account.

🏝️ Benefits

• Initial stock options grant.

• Annual performance bonus.

• Health, dental, and vision insurance plans.

• Opportunities for continuous learning.

• Unlimited paid time off.

• Paid parental leave.

• Work model: currently fully remote, with plans for a future hybrid setup.

• Opportunities for growth in a dynamic entrepreneurial environment.