Risk Specialist

We are seeking an experienced Risk Specialist with deep expertise in card acquiring and managing merchants operating under subscription-based (recurring billing) business models. The role centers on designing, developing, and continuously monitoring a system for calculating and tracking VAMP rates, as well as managing fraud and chargeback risks. Responsibilities include building and maintaining a VAMP rate calculation system (methodology, data sources, automation, reporting), assessing fraud risk for planned subscription-based models, identifying operational and technical risks, recommending measures to reduce fraud and chargebacks, reviewing mitigation tools (e.g., Ethoca and Verifi) as part of a broader fraud/dispute management strategy, and providing operational and monitoring recommendations for KPI and threshold monitoring, fraud/chargetback ratio tracking, and escalation procedures. The role also involves liaising with international card schemes (Visa, Mastercard) on compliance with monitoring programs and ensuring subscription merchant requirements (free trial, negative option billing, recurring transactions). Personal qualities include analytical mindset, attention to detail, ability to work with large datasets, proactivity in risk identification, and clear communication with business, operations teams, and card schemes.