Fraud & Chargeback Lead (Fintech)

Location: On-site in Chicago, United States

Salary: $130,000–$170,000 USD base salary per year, plus equity

Company

hirify.global is a payment service provider building global financial infrastructure with stablecoins, AI-driven fraud prevention, instant settlement, global pay-ins, multi-currency FX, and unified payouts.

What you will do

• Build and mature transaction monitoring, case management, alerting logic, investigation workflows, and evidence standards.
• Monitor and investigate merchant and user fraud alerts, including fraudulent onboarding, transaction laundering, bust-out schemes, account takeover, card testing, CNP fraud, ACH fraud, scams, and social engineering.
• Drive case disposition, funding actions, offboarding recommendations, remediation, and root-cause analysis for confirmed fraud losses.
• Monitor chargeback and fraud trends across crypto on/off-ramps, gaming, remittance, and digital goods, and recommend controls.
• Manage card-network and NACHA program requirements, merchant remediation, thresholds, and new compliance workflows.
• Own fraud-related RFIs from sponsor bank partners and collaborate with the BSA/AML Officer, Underwriters, Data Science, and Risk & Compliance leadership.

Requirements

• 5–8 years of experience in chargeback and fraud prevention, detection, investigations, or remediation within a payment service provider, acquirer, or fintech platform.
• Hands-on experience with card-acquiring fraud, including merchant fraud, transaction laundering, bust-out schemes, collusive activity, account takeover, card testing, CNP fraud, scams, and social engineering.
• Working knowledge of card-brand programs such as VAMP, ECM, SMMP, VIRP, BRAM, and related chargeback monitoring requirements, plus NACHA program requirements.
• Experience building or significantly improving fraud tooling, case-management workflows, or investigation processes.
• Strong analytical, written, and verbal communication skills, with SQL or comparable data skills for dashboards, metrics, and investigations.
• Familiarity with AML, KYC, underwriting, acquirers, sponsor banks, and card networks, plus sound judgment in ambiguous fraud decisions.

Nice to have

• Experience with high-risk or emerging verticals such as crypto on/off-ramps, gaming, sweepstakes, or digital goods.
• People leadership experience or a demonstrated path toward building and leading a fraud team.

Culture & Benefits

• Hands-on builder role as the first dedicated chargeback and fraud hire.
• Opportunity to establish fraud playbooks, procedures, escalation paths, queue SLAs, and analyst QA processes.
• Collaboration with Risk & Compliance, BSA/AML, Underwriting, Data Science, and bank partners.
• Equity included in the compensation package.