Fraud Strategy Specialist - Card Issuance (Fintech)

Location: Currently fully remote; future hybrid hubs in Miami, San Francisco, and New York, United States

Company

hirify.global is a Series C fintech building AI-powered financial products for Latinos in the United States, including remittances, credit, savings, wallets, and card services.

What you will do

• Own fraud strategy for a new card issuance program from pre-launch risk assessment through post-launch monitoring.
• Design end-to-end authorization decisioning, including approval and decline logic, 3DS/SCA step-ups, velocity limits, holds, and cross-account detection.
• Monitor card-network fraud and dispute ratios against Visa VAMP and Mastercard thresholds.
• Build the cardholder fraud lifecycle covering onboarding, first-card-use monitoring, BIN analysis, and portfolio-level patterns.
• Partner with Product, Engineering, Compliance, Fraud Operations, and issuing vendors to embed controls and manage disputes and chargebacks.
• Use SQL and BigQuery to size exposure, backtest thresholds, monitor indicators, and create a reusable fraud playbook.

Requirements

• 4–7+ years of experience in fraud or risk strategy.
• Hands-on experience with card authorization decisioning on the issuer, acquirer, program manager, or processor side.
• Knowledge of authorization, clearing, settlement, 3DS/SCA, Visa VAMP or equivalent programs, Mastercard excessive chargeback programs, and dispute reason codes.
• Experience with BaaS or program-manager card-issuing vendors such as Stripe Issuing, Marqeta, or Galileo, including fraud responsibility negotiations.
• Advanced SQL and the ability to independently query and size risk.
• Advanced English and strong cross-functional communication skills.

Nice to have

• Card-issuing experience at a fintech or program manager.
• Stablecoin-backed card program or broader crypto experience.
• Spanish or Portuguese language skills.
• Cross-border remittance or LATAM-market fraud experience.
• Experience managing BIN sponsor or issuing-bank relationships.

Culture & Benefits

• Remote work model with a planned transition to a hybrid, hub-centric setup.
• Competitive salary, stock options, and annual performance bonus.
• 401(k) and health, dental, and vision plans.
• Unlimited PTO and paid parental leave.
• Continuous learning and growth opportunities in an entrepreneurial environment.