Fraud & Chargeback Analyst

About this role

Payments & Gateway Engineering builds the rails money moves on: the gateway, acquirer and PSP integrations, cross-border settlement, escrow, reconciliation and the ledger under all of it.

Watch the transaction flow for what should not be there, tune the rules, and fight the chargebacks worth fighting. Too tight and honest trade stops; too loose and we fund the fraud.

Money is unforgiving in a way most software is not. A network blip that causes a retry must not become a double charge; a reconciliation break is either a bug or somebody's money, and you need to know which within the hour. Add cross-border — correspondent rails, cut-offs, value dates, FX at the point of quote, and screening every leg has to pass — and idempotency stops being a nicety.

Primary responsibilities

• Monitor transactions for fraud and act on what the rules and models surface
• Tune the fraud rules against the real trade-off — every rule that stops a fraud also declines legitimate customers
• Manage chargebacks end to end: represent the ones worth defending with real evidence, and accept the ones that are not
• Track fraud and chargeback ratios against the card scheme thresholds, because breaching them has consequences beyond the losses
• Investigate fraud patterns and feed them back into detection

Skills required

Day to day this role works with SQL, Fraud Analysis, Chargebacks and Rules Engines.

• Three or more years in payment fraud or disputes
• Comfortable in SQL and unafraid to argue a representment
• Three or more years in payment fraud or chargeback management
• Fraud rule tuning against the real trade-off — every rule that stops fraud also declines legitimate customers