Fraud Strategy Specialist – Payment Risk

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

📋 Description

• Take responsibility for fraud performance across various payment instruments and channels.

• Identify the underlying causes of significant fraud vectors and create effective controls.

• Enhance user experience by optimizing friction through 3DS/SCA, holds, paused payments, dynamic friction, and product/UX modifications.

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

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

• Design and conduct A/B tests to validate controls and assess conversion and customer-experience impacts.

• Perform in-depth analyses of payment fraud schemes, organized fraud activities, and new threats.

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

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

⛳️ Requirements

• A bachelor's degree in a quantitative field (such as Math, Economics, Computer Science, Statistics, or Data Science) or equivalent practical experience.

• 4 to 6 years of experience in fraud or payment risk, demonstrating a deep understanding of payment instruments and rail mechanics.

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

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

• Proven track record of reducing fraud via product and action design.

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

• Experience in designing and interpreting A/B tests.

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

• Experience with business intelligence tools (such as Looker, Tableau, or similar).

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

• Proficient in English.

• Strong analytical curiosity.

• Equivalent qualifications in the specified areas will also be considered.

🏝️ Benefits

• Initial stock options grant.

• Annual performance bonus.

• Health, dental, and vision insurance plans.

• Opportunities for continuous learning.

• Unlimited paid time off (PTO).

• Paid parental leave.

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

• Opportunities for growth in a dynamic entrepreneurial environment.