Fraud Strategy Specialist - Card Issuance

Location: USA; fully remote, with a future transition to a hybrid setup. Conditions: Miami.

Company

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

What you will do

• Own fraud strategy for the card issuance program from pre-launch risk assessment through post-launch monitoring.
• Build the authorization decisioning architecture, including approve/decline logic, 3DS/SCA step-up authentication, velocity limits, and cross-card and cross-account linkage.
• Monitor Visa VAMP, Mastercard excessive chargeback program, fraud-to-sales ratios, dispute ratios, and early-warning indicators.
• Build the cardholder fraud lifecycle, including onboarding risk, first-card-use monitoring, BIN-level and portfolio-level pattern detection.
• Partner with Product, Engineering, Compliance, Fraud Operations, and issuing vendors to embed controls into card issuance and wallet funding and spending flows.
• Use SQL and BigQuery to size fraud exposure, backtest authorization thresholds, monitor indicators, and build a reusable fraud playbook.

Requirements

• 4–7+ years of experience in fraud or risk strategy with direct, hands-on card authorization decisioning experience on the issuer, acquirer, program manager, or processor side.
• Working knowledge of authorization, clearing, and settlement flows, 3DS/SCA, Visa VAMP or equivalent network fraud-monitoring programs, Mastercard excessive chargeback programs, and dispute reason codes.
• Experience working with or evaluating BaaS or program-manager card issuing vendors such as Stripe Issuing, Marqeta, Galileo, or similar, including fraud AoR/RACI negotiation.
• Advanced SQL skills and the ability to independently query data and size risk.
• Experience using product- and action-based fraud controls such as step-up authentication, holds, and dynamic friction instead of relying on static rules.
• Ability to build a 0-to-1 program in ambiguity and translate vendor, legal, and compliance input into an operating model.
• Strong cross-functional communication across Fraud, Product, Compliance, and external vendors.
• Advanced English.

Nice to have

• Card issuing experience at a fintech or program manager.
• Familiarity with stablecoin-backed card programs or general crypto experience.
• Spanish or Portuguese.
• Experience with cross-border remittance or LATAM-market fraud.
• Experience negotiating or managing a BIN sponsor or issuing bank relationship.

Culture & Benefits

• Fully remote work model currently, with a future transition to hybrid work.
• Competitive salary, initial stock options grant, and annual performance bonus.
• 401(k), health, dental, and vision plans.
• Unlimited PTO and paid parental leave.
• Continuous learning opportunities and growth in an entrepreneurial environment.