Card Fraud & Chargeback Risk Strategist (Issuing Risk)

Location: Remote-first, available in Australia, Hong Kong, Singapore, Taiwan, Thailand, or the United Arab Emirates.

Company

Binance operates a global blockchain and cryptocurrency ecosystem spanning trading, finance, payments, institutional services, education, and research.

What you will do

• Own portfolio-level fraud rates, chargeback rates, and chargeback ratios against Mastercard program thresholds; build monitoring, alerting, and early-warning capabilities.
• Design and tune real-time pre-authorization screening using acquiring data, 3DS outcomes, issuing signals, rules, and risk scores.
• Own EMV 3DS, exemption, MFA, step-up verification, liveness, GPS verification, face verification, and card freeze/unfreeze strategies.
• Run the full chargeback lifecycle, including reason-code analysis, representment evidence, win-rate improvement, reconciliation, and root-cause feedback.
• Build merchant- and MCC-level controls, including velocity limits, targeted controls, and temporary MFA-based merchant whitelisting.
• Partner with the BIN sponsor, Mastercard, product, compliance, and data science teams on scheme changes, audits, prioritization, and KPI reporting.

Requirements

• Hands-on card issuing or card acquiring fraud experience at a bank, card issuer, PSP, payment processor, or BIN sponsor.
• Direct ownership of fraud and chargeback rates as measurable portfolio outcomes.
• Working knowledge of Mastercard rules, chargeback reason codes, dispute and representment lifecycles, timelines, fraud reporting flows, and issuer monitoring programs.
• SQL required; ability to independently build and validate detection logic using transaction-level and chargeback-level datasets.
• Ability to reason from an attacker's perspective, including card and account sourcing, testing, cash-out methods, and risks specific to debit-style products linked to exchange balances.
• Experience collaborating across risk, product, compliance, schemes, BIN sponsors, and processors.

Nice to have

• Python experience.

Culture & Benefits

• Remote-first, work-from-home arrangement; availability may vary by role and team.
• Global, user-centric organization with a flat structure and collaboration with international talent.
• Autonomy in a fast-paced, innovative, and results-driven environment.
• Opportunities for career growth and continuous learning.
• Competitive salary and company benefits.