Fraud Strategy Specialist (Payment Risk)
RemoteBrazil
Job Summary
Own fraud performance for payment instruments and rails by diagnosing root mechanisms and designing durable product controls over rule sprawl. Optimize friction using step-up authentication, holds, and dynamic UX changes to stop bad actors while preserving good-customer experience. Partner with Product and Engineering to embed fraud logic into the money-movement flow, authoring decisioning in orchestration stacks and retiring underperforming rules. Conduct deep-dive threat analyses on emerging schemes and run A/B tests to validate control effectiveness and quantify conversion trade-offs. Master mechanics of cards, ACH, tokenized wallets, and chargeback reason codes to protect millions of users across Latin America.
Required Qualifications
- Bachelor's degree in a quantitative or related field (Math, Economics, CS, Statistics, Data Science) — or equivalent practical experience
- 4–6 years in fraud / payment risk, with demonstrated depth in payment-instrument and rail mechanics
- Strong working knowledge of 3DS / step-up authentication and how to deploy it to reduce fraud without over-penalizing good customers
- Deep knowledge of payment systems and their fraud surfaces: cards, ACH (return codes, NACHA), wires, settlement timing, tokenized wallets, and chargeback mechanics
- Proven ability to reduce fraud through product and action design, not only rule-writing
- Advanced SQL and Python, with the ability to work with large datasets and run complex analysis independently
- Experience designing and reading experiments (A/B testing) to measure control effectiveness and conversion trade-offs
- Understanding of machine-learning concepts and their application to fraud detection
- Experience with BI tools (Looker, Tableau, or similar)
- Strong communication skills for both technical and non-technical audiences
- Advanced English
- a strong analytical curiosity to go deep into the data to find fraudsters
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