Card Fraud & Chargeback Risk Strategist (Issuing Risk)

• →Own portfolio-level fraud rate, chargeback rate and chargeback ratio against Mastercard program thresholds; build the monitoring, alerting and early-warning layer that flags drift before it becomes a scheme program breach
• →Design and tune real-time pre-authorization screening strategy — rule sets and risk scores combining acquiring-side data, 3DS outcome and issuing-side signals; own approve/decline/challenge trade-offs and the resulting false-decline cost
• →Own the authentication strategy: EMV 3DS usage and exemption logic, MFA at application, step-up verification (liveness, GPS-verification, face verification) for suspicious card activity, and card freeze/unfreeze controls
• →Run the chargeback lifecycle: reason-code level analysis, representment evidence design, win-rate improvement, first-chargeback and fraud-report reconciliation, and root-cause feedback into rules and product design
• →Build merchant and MCC-level controls: velocity limits per MCC, targeted controls for repeatedly attacked merchants (e.g. app-store and digital-goods merchants), temporary merchant whitelisting via verified MFA
• →Partner with the BIN sponsor and Mastercard on scheme rule changes, program reviews and audits; translate new scheme requirements into concrete strategy and process changes
• →Quantify risk impact and control cost for prioritization and management reporting; define the KPI set jointly with the card business unit

• Hands-on card issuing or card acquiring fraud experience at a bank, card issuer, PSP, payment processor or BIN sponsor — you have personally owned fraud rate and chargeback rate as numbers, not as projects
• Working knowledge of Mastercard rules and dispute mechanics: chargeback reason codes, the dispute/representment lifecycle and timelines, fraud reporting flows, and the scheme monitoring programs that constrain an issuer
• Strong data analysis skills: SQL required, Python preferred; able to independently build and validate detection logic on transaction-level and chargeback-level datasets
• Ability to reason from the attacker's perspective: how card fraud rings source cards and accounts, how they test and cash out, and where a debit-style product tied to an exchange balance is uniquely exposed
• Experience collaborating across risk, product, compliance and external partners (scheme, BIN sponsor, processors)

• Shape the future of finance 
• Collaborate with world-class talent in a user-centric global organization with a flat structure
• Tackle challenging projects in a fast-paced and innovative enviornment with autonomy
• Thrive in a results-driven workplace with opportunities for career growth and continuous learning
• Competitive salary and company benefits
• Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team)

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