Fraud Strategy Specialist (Payment Risk)

TL;DR

Fraud Strategy Specialist (Payment Risk): Own fraud performance across cards, ACH, and digital wallets by diagnosing root mechanisms and designing durable product-based controls with an accent on friction optimization, instrument/rail expertise, and experimentation. Focus on deep-dive threat analysis, validating control effectiveness with A/B tests, and authoring decisioning logic in the orchestration stack to reduce fraud without harming good-customer conversion.

Location: Remote (Argentina)

Company

hirify.global builds an AI-powered WhatsApp remittance experience for Latin immigrants, using AI, blockchain, and stablecoins to make cross-border payments faster and more accessible.

What you will do

• Own fraud performance for payment instruments and rails, diagnosing root mechanisms and reducing material fraud vectors with durable product/action controls.
• Optimize friction using step-up authentication (3DS/SCA), holds, paused payments, dynamic friction, and product/UX changes.
• Partner with Product and Engineering to embed fraud controls into the payment and money-movement experience.
• Apply deep expertise across card authorization and 3DS/SCA, ACH return codes and NACHA mechanics, settlement timing, tokenized wallets (Apple/Google Pay), and chargeback reason codes.
• Design and run experiments (A/B tests) to validate control effectiveness and quantify conversion and good-customer experience trade-offs.
• Conduct deep-dive threat analysis and collaborate with Data Science on payment fraud model feature engineering; author/maintain decisioning logic in the orchestration stack (Sardine / Oscilar).

Requirements

• Bachelor’s degree in a quantitative field (Math, Economics, CS, Statistics, Data Science) or equivalent practical experience.
• 4–6 years of fraud/payment risk experience with demonstrated depth in payment-instrument and rail mechanics.
• Strong working knowledge of 3DS/step-up authentication and how to deploy it to reduce fraud without over-penalizing good customers.
• Deep knowledge of payment systems and fraud surfaces across cards, ACH (return codes, NACHA), wires, settlement timing, tokenized wallets, and chargeback mechanics.
• Advanced SQL and Python skills to work with large datasets and run complex analysis independently.
• Experience designing and reading experiments (A/B testing) plus advanced English communication skills.

Culture & Benefits

• Remote work environment; offices in Miami and Mexico City with a planned transition to a hybrid, hub-centric strategy.
• Health, dental, and vision plans; unlimited PTO; paid parental leave.
• Competitive salary, initial stock options grant, and annual performance bonus.
• Continuous learning opportunities and growth in a dynamic entrepreneurial environment.

Hiring process

• Application review followed by interviews to assess fraud/risk domain depth, analytics/experimentation skills, and cross-functional collaboration.
• Evaluation of practical ability to diagnose fraud mechanisms and validate controls using data.