Manager

Key Responsibilities:

• Lead end-to-end investigations

  into merchant-related fraud, including application & synthetic identities, shell companies, transaction laundering, and,Card-not-present (CNP) fraud (e-commerce, mobile, digital wallets), ATO (account take-over)

• Fraud Detection & Risk Analytics

  : Utilize fraud detection tools (e.g., Falcon, SAS, Actimize, FICO, Brighterion) and internal models to identify suspicious activity

• Control Testing & Mitigation:

  Evaluate internal card issuance / merchant acquisition and transaction controls to identify gaps, recommend changes in rules, limits, and transaction workflows

• Develop and implement merchant fraud detection strategies

  , leveraging onboarding data, transaction patterns, and behavioral analytics, merchant collusive chargebacks.

• Collaborate with underwriting, onboarding, compliance, and legal teams

  to assess merchant risk and take timely action (e.g., holds, terminations, SAR filings).

• Monitor high-risk verticals and merchant categories

  , identifying emerging fraud typologies and recommending mitigation strategies.

• Ensure compliance with card network rules

  (Visa, Mastercard, etc.) and regulatory requirements (e.g., PCI DSS, AML, PSD2),Coordinate with issuing banks, merchants, processors, and networks (Visa, MasterCard, etc.) on disputes and investigations

• Oversee merchant fraud case management

  , ensuring thorough documentation, root cause analysis, and reporting to internal and external stakeholders,support chargeback resolution and fraud recovery efforts

• Represent the organization in external forums

  , including card scheme investigations, law enforcement inquiries, and industry working groups

Qualifications:

• Bachelor's or Master's degree in Finance, Risk Management, Criminology, or a related field
• Professional certifications such asCFE (preferred) and/or PCI ISAare highly recommended
• 8+ years of experiencein fraud investigation in a Payment Operations division with at least3-5 years in merchant services or acquiring riskwithin a PSP or acquiring bank
• Deep understanding ofmerchant onboarding, MCC risk, transaction laundering, and chargeback abuse
• Proficiency in fraud detection and case management tools
• Good analytical skills with experience in SQL, Python, or other data analysis tools, and familiarity with AI based tools preferred.
• Excellent communication and stakeholder management skills, with the ability to influence across functions

Preferred Attributes:

• Experience withUS Domestic acquiring and SMB merchants highly preferred
• Familiarity withreal-time fraud monitoring systemsandmachine learning-based detection models
• Ability to work in a fast-paced, regulated fintech environment with evolving fraud threats