Merchant Acquiring Fraud Analyst (2nd LoD)

Location: Fully remote in Spain, Poland, Cyprus, or the Netherlands

Company

hirify.global is a fintech company with a payments ecosystem and approximately $346 million in total funding.

What you will do

• Identify, analyze, and mitigate acquiring fraud risks, including merchant abuse, bust-outs, transaction laundering, friendly fraud, enumeration, testing attacks, and chargeback spikes.
• Analyze internal alerts, chargebacks, disputes, anomaly reports, ML models, and external industry, scheme, partner, and law-enforcement intelligence.
• Develop and maintain acquiring fraud scenarios and the Acquiring Fraud Typology Library in line with scheme rules, regulatory expectations, and risk appetite.
• Work with fraud risk, product, engineering, and ML teams to translate scenarios into rules, thresholds, controls, features, and signals; participate in back-testing, validation, and tuning.
• Monitor fraud rate, chargeback ratio, false positives, and merchant friction, and propose optimization actions while providing independent Second Line challenge of First Line decisions.
• Support Visa and Mastercard monitoring programs, develop training and guidance, review requirements and policies, and contribute to process-improvement projects.

Requirements

• At least 2 years of experience in merchant risk, acquiring fraud strategy, or payment processor risk management within a regulated financial institution or fintech platform.
• Experience with fraud prevention, detection, investigations, and mitigation in banking, PSP, or fintech environments.
• Solid understanding of acquiring card fraud typologies, including merchant bust-outs, transaction laundering, and card testing, as well as Visa/Mastercard monitoring programs such as ECP/VAMP, scheme rules, and chargeback mechanics.
• Knowledge of the end-to-end payments ecosystem across issuing and acquiring rails.
• Experience with fraud rules, scenarios, or ML-driven controls; end-to-end lifecycle experience is preferred.
• Full working proficiency in English.
• Ability to analyze large datasets.
• Ability to act as a risk partner, challenge assumptions, propose pragmatic solutions, explain complex fraud risks in simple business-friendly language, and communicate with product, technology, and operations stakeholders.

Nice to have

• Experience with SQL and/or business intelligence tools.

Culture & Benefits

• Remote work from Spain, Poland, Cyprus, or the Netherlands.
• Work in the EU and make a genuine impact on the product.
• Stock options.
• Support and care from the organization.
• Participation in the Work & Swim program.

Hiring process

• Recruiter interview.
• Team interview and test task.
• Final interview.