Online Risk Analyst – Fraud Prevention

📋 Description

• Set up and refine rules to minimize risks during customer onboarding (KYC/KYP) by utilizing tools such as identity validation, device fingerprinting, and credit bureaus;

• Develop, modify, and oversee antifraud rules within platforms like ClearSale, Credify, and internal systems;

• Detect suspicious patterns and take action on alerts related to fraudulent activities;

• Identify unusual behaviors and respond to alerts concerning questionable transactions;

• Track chargeback and dispute rates, suggesting enhancements and corrective measures;

• Balance security measures with user experience, aiming to reduce false positives while maintaining risk levels;

• Assist in preparing communications to COAF when necessary;

• Ensure adherence to regulations set by Banco Central do Brasil and internal policies;

• Conduct in-depth analyses to uncover vulnerabilities and emerging attack patterns.

⛳️ Requirements

• In-depth knowledge of card flow processes (authorization, capture, settlement) and digital payment methods (Pix, boleto), including analysis of failures and risk assessment for each stage.

• Hands-on experience with decision engines, crafting and fine-tuning antifraud rules, and analyzing transactions.

• Familiarity with KYC/KYB processes, transaction monitoring, and recognizing money laundering patterns.

• Utilization of bureaus (Procob, Assertiva, or similar) for risk analysis and decision-making.

• Understanding of Banco Central do Brasil regulations and their practical application in daily operations.

• Experience in implementing or fine-tuning antifraud engines (preferred).

• Background in financial institutions, fintechs, or acquirers (preferred).

• Knowledge of AML/CFT frameworks (preferred).

• Experience with graph analysis or transactional network analysis to identify suspicious patterns (preferred).

• Proficiency in data manipulation and analysis, interpreting metrics, and generating insights (knowledge of SQL and Python is a plus).

🏝️ Benefits

• Remote work (Home Office);

• Home office allowance;

• Meal/food voucher (Pluxee);

• Health and dental insurance (SulAmérica);

• Digital hospital service (Conexa);

• Life insurance (Prudential);

• Childcare support for children under five (5) years old;

• Wellhub (Gympass);

• Partnerships with Open English and ESALQ;