Head of Chargeback and Risk Analyst

Head of Risk

real payments

Your Future Challenges

• Optimize payment flows

    Analyze throughput, test new markets, and fine-tune cascades to improve global conversion rates.

• Manage acquiring networks

    Work directly with international banks and PSPs to configure and launch MIDs.

• Master chargeback mechanics

    Analyze disputes, friendly fraud patterns, and initiate alert/representation services.

• Automate and innovate

    Design processes that enhance payment infrastructure efficiency and transparency.

• Make an impact

    Every decision you make can add thousands of dollars to company revenue through better approval ratios and lower fees.

Your Responsibilities

• Design, implement, and oversee Paythex's Risk Management Framework in collaboration with the CRO.
• Conduct periodic enterprise risk assessments covering operational, financial, legal, and compliance dimensions.
• Develop internal governance and escalation protocols for emerging risks and regulatory requirements.
• Ensure compliance with international financial standards, VASP obligations, and PSP regulations.

2. Fraud Prevention & Chargeback Management

• Build and maintain advanced fraud detection rules in anti-fraud systems.
• Manage chargeback alerts (Ethoca, Verifi, etc.) and representation flows with precision.
• Oversee fraud trend analysis and risk scoring logic to proactively minimize exposure.
• Collaborate with Data and BI teams to enhance automated alerting, scoring models, and dashboards.

3. Mastercard & Visa Compliance

• Ensure full adherence to Mastercard and Visa Compliance policies.
• Track and report on Fraud-to-Sales and Chargeback-to-Sales ratios to prevent merchant monitoring program violations.
• Prepare and submit remediation plans if thresholds are exceeded and manage communications with acquirers or card scheme representatives.
• Collaborate with PSPs and banks to maintain brand reputation compliance, transaction integrity, and descriptor accuracy.
• Stay current with updates to Mastercard and Visa risk programs proactively adjusting risk rules and merchant configurations. 

4. Payment Optimization

• Monitor PSP and acquirer performance globally and adjust routing logic to improve approval rates.
• Collaborate with Finance and Tech teams to reconcile transactional data and verify processing accuracy.
• Test and integrate new payment methods to expand the company's market coverage. 

5. Leadership & Team Development

• Hire, mentor, and lead a team of risk and chargeback analysts.
• Define KPIs, conduct regular performance reviews, and provide ongoing professional training. 
• Foster a high-performance, data-driven culture that emphasizes accountability and growth. 
• Collaborate cross-functionally with Finance, Sales, and Support to maintain a unified risk strategy.

6. Reporting & Analytics

• Develop real-time dashboards with the BI team to visualize approval ratios, alerts, chargebacks, and exposure.
• Provide regular strategic reports to management outlining key risks, financial impacts, and mitigation progress.
• Identify patterns and anomalies across PSPs, brands, and affiliates, translating data into actionable strategies.

Qualification Requirements

• 3+ years

  in risk management, fraud prevention, or payments analytics (Fintech experience preferred).
• Proven expertise in managing   

  multi-PSP / multi-MID

  infrastructures and chargeback processes.
• Strong analytical and quantitative skills proficiency in Excel, Power BI tools.
• Familiarity with   

  alert systems (Ethoca, Verifi)

  and acquirer monitoring tools.
• Experience working with   

  international PSPs and card schemes

  (Visa, Mastercard, etc.).
• Excellent communication skills, capable of liaising with banks, regulators, and internal stakeholders.
• Passion for continuous learning and an investigative mindset suited to rapidly evolving fintech landscapes.
• Ability to thrive in a 

  global team

  environment with shifting priorities and tight deadlines.

Why Join Paythex

• Global scale:

  Work with banks, PSPs, and partners across continents. 

• Direct business impact:

  Each optimization you deliver directly influences company revenue.

• Technical depth:

  Hands-on exposure to real payments data routing, acquirer tuning, and chargeback mechanics. 

• Professional growth:

  Build rare, in-demand expertise at the intersection of fintech, analytics, and compliance.