Risk Analyst (SQL), Card Payment Fraud (Web3)

TL;DR

Risk Analyst (Card Payment Fraud) (SQL): Monitoring card authorization flows and designing fraud detection rules to minimize losses in a card issuing business with an accent on real-time transaction analysis and rule tuning. Focus on intercepting fraudulent card transactions, analyzing chargeback patterns, and optimizing the balance between fraud capture and false-positive rates.

Location: Asia (Onsite or Remote)

Company

Binance is a leading global blockchain ecosystem and the world’s largest cryptocurrency exchange by trading volume and registered users.

What you will do

• Monitor card authorization flows and flag suspicious activity across debit/credit card portfolios in real time.
• Design, test, tune, and deploy fraud detection rules and risk scoring strategies at the authorization decision point.
• Investigate suspected fraud cases (ATO, counterfeit/cloned cards, CNP fraud) to determine root cause and take corrective action.
• Track fraud losses, chargeback rates, and key risk KPIs, producing dashboards and reporting for management.
• Partner with product, engineering, and data science teams to improve fraud models, tooling, and controls.
• Stay ahead of evolving fraud typologies, including BIN attacks, enumeration, and organized fraud rings.

Requirements

• 3+ years in card payment fraud risk, ideally on the issuer or card processor side.
• Solid understanding of the card payment lifecycle: authorization, clearing, and settlement.
• Familiarity with authorization message flows (ISO 8583), AVS, CVV, and 3-D Secure (3DS) / SCA.
• Working knowledge of fraud typologies such as CNP fraud, account takeover (ATO), and BIN attacks.
• Strong SQL skills required for interrogating transaction data and quantifying risk trade-offs.
• Experience with fraud detection rules engines (e.g., Falcon, SAS, Feedzai, Featurespace).

Nice to have

• Experience tuning real-time authorization rules and measuring fraud vs. false-positive trade-offs.
• Exposure to machine learning fraud models and feature engineering for risk scoring.
• Familiarity with crypto-linked cards and crypto-to-fiat settlement at authorization.
• Knowledge of PCI-DSS and relevant regulatory/compliance requirements.
• Industry certifications such as CFE (Certified Fraud Examiner).

Culture & Benefits

• Opportunity to shape the future within the world's leading blockchain ecosystem.
• Collaborative, user-centric global organization with a flat structure and world-class talent.
• Fast-paced environment with high autonomy and opportunities for continuous learning.
• Competitive salary and company benefits.
• Flexible work-from-home arrangements depending on the nature of the business team.