Acquiring Fraud Investigator

TL;DR

Acquiring Fraud Investigator (Risk Management): Identify and analyse acquiring fraud risks and design, monitor, and challenge the effectiveness of fraud controls with an accent on acquiring fraud scenarios (card-present/card-not-present, friendly fraud, dispute abuse, merchant fraud, laundering, enumeration/testing) and control back-testing. Focus on translating patterns into a fraud typology library, partnering with product/engineering/ML to implement rules and thresholds, and ensuring fraud rates stay within risk appetite without harming growth or customer experience.

Company

hirify.global is a fintech payments company building fraud risk management capabilities for acquiring businesses.

What you will do

• Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes, partners, law enforcement, industry intelligence) to identify emerging acquiring fraud risks.
• Develop and continuously enrich acquiring fraud scenarios and an acquiring fraud typology library aligned with scheme rules, regulatory expectations, and hirify.global’s risk appetite.
• Translate scenarios into fraud rules, thresholds, and controls, including machine-learning features and signals, in collaboration with Fraud Risk Manager, product, engineering, and ML teams.
• Back-test, validate, and tune acquiring fraud controls prior to production release; monitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimizations.
• Act as a Second Line challenger by providing independent oversight of acquiring fraud risk decisions made in the First Line.
• Support scheme-related monitoring (e.g., Visa/Mastercard monitoring programs, dispute ratios, remediation actions) and manage stakeholders across risk, product, quality assurance, and operations.

Requirements

• Location: Work in the EU (Cyprus / Poland / Netherlands / Spain)
• English – full working proficiency
• 2–4+ years of experience in fraud risk, acquiring fraud, card fraud, or payments risk in a fintech, PSP, or regulated financial institution
• Solid understanding of card fraud typologies, card scheme rules, and dispute/chargeback mechanics; knowledge of issuing and acquiring
• Experience with fraud rules/scenarios or ML-driven controls (end-to-end lifecycle preferred)
• Ability to analyse large datasets; experience with SQL and/or BI tools is a strong advantage

Culture & Benefits

• Work in the EU
• Stock options
• Work & Swim program
• Supportive environment with an emphasis on challenging assumptions and proposing pragmatic solutions

Hiring process

• Recruiter interview (30 mins)
• First interview (60 mins) followed by a case and test
• Final interview (60 mins)