Card Risk Operations Lead (Payments Risk)

Location: Abu Dhabi, United Arab Emirates

Company

hirify.global is a cryptocurrency exchange and digital financial platform offering trading, payments, wealth management, custody, institutional services, and Web3 products.

What you will do

• Monitor real-time and post-transaction card activity across card-not-present, card-present, ATM, and tokenized wallet transactions, responding to fraud alerts within SLA.
• Investigate suspicious accounts and transactions, including account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse.
• Make block, decline, step-up, and card-lifecycle decisions while escalating linked AML and sanctions concerns to Compliance.
• Manage Visa and Mastercard disputes and chargebacks, including evidence, representment, pre-arbitration, and arbitration.
• Tune fraud rules and velocity limits with issuer-processors and fraud tooling, and track fraud loss, chargebacks, approval rates, alert handling time, and recovery.
• Maintain playbooks, SOPs, and QA checks; train Support and provide fraud trends to Product and Engineering to improve onboarding, 3DS, and authorization controls.

Requirements

• At least 3 years of experience in card fraud operations, disputes, or payments risk at an issuer, EMI, neobank, PSP, or card programme manager.
• Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines.
• Practical experience with card fraud typologies and controls, including 3DS/SCA, velocity rules, device and behavioral signals, and tokenization.
• Experience with fraud and case-management tools and issuer-processor dashboards.
• Strong SQL and Excel/Sheets skills for analyzing fraud trends, plus sound judgment under time pressure and clear investigation documentation.
• Fluent English required; understanding of PSD2 and EU/UK payments regulation.

Nice to have

• Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorization.
• Experience launching card programmes in new markets or with new BIN sponsors.
• Scheme monitoring programme remediation experience.
• Python or BI tooling such as Looker, Tableau, or Metabase.
• CFE, ACAMS, or equivalent certification; additional European languages.

Culture & Benefits

• Professional development support through a Study Growth Fund.
• Regular team-building activities, workshops, and internal events.
• Collaboration with an international team.
• Career advancement and internal mobility opportunities.