Fraud Strategy Specialist - Card Issuance (Fintech)

Location: Currently fully remote; future hybrid hubs in Mexico City, Guadalajara, Bogotá, Buenos Aires, Rio de Janeiro, and São Paulo.

Company

hirify.global is a Series C fintech building AI-powered remittances, financial infrastructure, credit, savings, and wallet services for Latinos in the US.

What you will do

• Own fraud strategy for the new card issuance program from pre-launch risk assessment through post-launch monitoring.
• Design end-to-end authorization decisioning, including approvals, declines, 3DS/SCA step-up, velocity limits, and cross-card or cross-account linkage.
• Monitor Visa and Mastercard fraud, dispute, and chargeback thresholds and build early-warning systems.
• Build the cardholder fraud lifecycle covering onboarding risk, first-card-use monitoring, and BIN- and portfolio-level detection.
• Partner with Product, Engineering, Compliance, Fraud Operations, and issuing vendors to embed controls and manage disputes.
• 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 with direct, hands-on card authorization decisioning experience.
• Working 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 skills, including independently querying data and sizing risk.
• Experience designing product- and action-based controls such as step-up authentication, holds, and dynamic friction.
• Advanced English required.

Nice to have

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

Culture & Benefits

• Currently fully remote, with a planned transition to a hybrid hub-centric model.
• Stock options and an annual performance bonus.
• Health, dental, and vision plans.
• Unlimited paid time off and paid parental leave.
• Continuous learning opportunities and growth in an entrepreneurial environment.