Risk Control Analyst, Card & ATO Risk

This is a fully remote position, open to applicants in Singapore, +3 more states.

📋 Description

• Act as the main point of contact for risk-related issues on the card issuer side, encompassing BIN card fraud, transaction monitoring, and card lifecycle risk controls.

• Partner with payment and card business teams to collect requirements, suggest risk control measures, and lead the comprehensive implementation process.

• Develop and implement risk rules and strategies for card-related situations, such as card openings, credit limit changes, transaction approvals, and handling disputes/chargebacks.

• Track card risk metrics, perform post-event analyses, and continuously enhance the effectiveness of control measures.

• Assess third-party card risk vendors and solutions; facilitate integration where beneficial.

• Create and implement ATO risk control strategies, which include risk analysis, feature extraction, rule/strategy deployment, and control flow design.

• Construct and improve ATO detection and prevention pipelines across scenarios like login, device use, transactions, and account modifications.

• Utilize risk signals (such as device, IP, behavioral, and biometric data) to build multi-layered defensive strategies.

• Analyze attack patterns and emerging threats; convert insights into actionable detection rules and mitigation approaches.

• Document risk control designs, maintain decision logs, and conduct post-incident reviews.

• Collaborate with data and engineering teams to implement and refine risk models and rules.

• Engage in cross-functional projects that involve payment, compliance, and product teams.

⛳️ Requirements

• Minimum of 3 years of experience in risk control, fraud prevention, or a similar analytical position.

• Practical experience in designing and implementing risk rules/strategies in a real-time production setting.

• Strong analytical abilities: capable of extracting risk features from data, developing detection logic, and assessing control efficacy.

• Solid grasp of risk control frameworks, including rule-based systems, scoring models, and layered defense strategies.

• Proficient in SQL and data analysis tools; comfortable handling large datasets.

• Excellent communication and stakeholder management skills — adept at translating business requirements into risk control necessities and driving cross-team collaboration.

• Experience in utilizing AI tools in daily tasks, such as analyzing risk issues, automating and optimizing rules, screening data, or expediting investigation workflows.

• Preferred experience in card risk control on the issuer side (including BIN management, authorization risk, 3DS, and card fraud detection).

• Preferred experience in ATO, account fraud, or identity risk sectors.

• Preferred experience working with third-party risk vendors (e.g., face verification, device fingerprinting, fraud scoring).

• Familiarity with regulatory and compliance aspects in card and fintech risk is preferred.

• Bilingual proficiency in English and Mandarin is required to effectively collaborate with overseas partners and stakeholders.

🏝️ Benefits

• Competitive salary and comprehensive company benefits.

• Flexible work-from-home arrangement (which may vary based on the business team's work nature).

• Opportunities for career advancement and continuous learning.

• Collaborate with top-tier talent in a user-focused global organization characterized by a flat hierarchy.

• Engage in unique, dynamic projects with autonomy in an innovative setting.