Risk Control Analyst, Card & ATO Risk
On-siteSydney, New South Wales, Australia or Melbourne, Victoria, Australia
Job Summary
Serve as the primary risk point of contact for card issuer side matters, including BIN card fraud, transaction monitoring, and card lifecycle risk controls. Design and deploy risk rules and strategies for card opening, credit limit adjustments, and dispute handling while collaborating with payment teams to drive end-to-end implementation. Build and refine ATO detection pipelines across login, device, and transaction scenarios, leveraging risk signals to construct multi-layered defense chains against emerging threats. Document designs, conduct post-event analysis, and work with engineering teams to tune risk models and integrate third-party vendor solutions. Requires 3+ years of risk control experience, proficiency in SQL, and bilingual English/Mandarin skills.
Required Qualifications
- 3+ years of experience in risk control, fraud prevention, or a related analytical role
- Hands-on experience designing and deploying risk rules/strategies in a real-time production environment
- Strong analytical skills: ability to extract risk features from data, build detection logic, and measure control effectiveness
- Solid understanding of risk control frameworks, including rule-based systems, scoring models, and layered defense design
- Proficiency in SQL and data analysis tools; comfortable working with large datasets
- Strong communication and stakeholder management skills — ability to translate business needs into risk control requirements and drive cross-team execution
- Experience using AI tools in day-to-day work, e.g., leveraging AI to analyze risk issues, automate and optimize rules, screen data, or accelerate investigation workflows
- Experience in Card risk control on the issuer side (BIN management, authorization risk, 3DS, card fraud detection)
- Experience with ATO, account fraud, or identity risk domains
- Experience working with third-party risk vendors (e.g., face verification, device fingerprinting, fraud scoring)
- Knowledge of regulatory and compliance considerations in card and fintech risk
- Bilingual English/Mandarin is required to effectively coordinate with overseas partners and stakeholders
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