Payment Risk and Anti-Fraud Specialist

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

📋 Description

• Conduct comprehensive analyses of complete transactional flows involving deposits, withdrawals, and payment histories to detect anomalies, suspicious activities, and operational errors.

• Monitor high-value and high-risk transactions in real-time and make informed approve/decline decisions based on evidence.

• Recognize indicators of payment fraud, chargeback risks, payment method misuse, and discrepancies in deposit/withdrawal activities.

• Investigate intricate payment scenarios that involve failed, pending, unusual, or declined transactions.

• Handle multiple urgent cases concurrently, prioritizing them according to risk level and financial repercussions.

• Maintain well-organized, structured documentation that is ready for audits, detailing reviewed cases, decisions made, and risk actions taken.

• Differentiate root causes linked to payment fraud, gaps in platform configuration, gateway failures, and issues on the provider side.

• Identify operational obstacles, absent rules, and gaps in system logic; offer suggestions to enhance risk management tools.

• Act quickly to respond to operational surges and risk incidents while ensuring accuracy in actions taken.

• Relay findings, decisions, and interventions to Finance, Support, Tech, and Fraud teams clearly and effectively.

• Take ownership of cases until resolution and escalate complex situations when higher-level authorization is necessary.

⛳️ Requirements

• A minimum of 1 year of practical experience in payment operations, transaction monitoring, billing, fraud prevention, or risk management within the FinTech/iGaming/E-commerce sectors.

• Hands-on knowledge of transactional risk analysis, deposit/withdrawal processes, transaction statuses, and chargeback exposure.

• Demonstrated expertise with alert-based risk platforms, analytical tools, or payment back-office systems in environments with high transaction volumes.

• Capability to multitask and prioritize urgent, high-value alerts based on their financial significance.

• Strong judgment skills to make quick, high-stakes decisions under pressure.

• Effective cross-team communication abilities to convey complex risk rationales succinctly.

• Upper-Intermediate proficiency in English.

• Willingness to work on a rotating shift schedule, including night shifts.

• Experience with alternative payment methods (APMs) and cryptocurrency payment systems across various regions.

• Basic understanding of SQL or advanced Excel/data tools for efficient pattern identification.

• Previous experience interacting directly with payment service providers (PSPs) and acquiring banks.

🏝️ Benefits

• Benefits Cafeteria — an annual budget dedicated to Sports, Medical, Mental health, Home office, and Language learning.

• Paid maternity/paternity leave along with a monthly childcare allowance.

• More than 20 vacation days.

• Unlimited sick leave.

• Emergency time off availability.

• Remote-first work arrangement.

• Technical support provided.

• Compensation for coworking spaces.

• Team-building events (both online and offline).

• A culture of learning with access to internal courses and growth programs.