Fraud Strategy Specialist (Card Issuance)

TL;DR

Fraud Strategy Specialist (Card Issuance): Designing and implementing an end-to-end fraud detection and prevention architecture for a new card issuance program with an accent on authorization decisioning and network compliance. Focus on building a 0-to-1 fraud stack, managing Visa/Mastercard thresholds, and implementing product-based controls over static rules.

Location: Hybrid (Hubs in Miami, San Francisco, and New York)

Company

hirify.global is a hyper-growth fintech building a financial ecosystem for Latin immigrants in the US using AI, blockchain, and stablecoins.

What you will do

• Own the end-to-end fraud strategy for the card issuance program from pre-launch risk assessment through steady-state monitoring.
• Design authorization decisioning logic, including approve/decline logic, 3DS/SCA step-up, and velocity controls.
• Monitor fraud-to-sales and dispute ratios to ensure compliance with Visa (VAMP) and Mastercard thresholds.
• Develop the cardholder fraud lifecycle, including onboarding risk, first-card-use monitoring, and BIN-level pattern detection.
• Collaborate with Product and Engineering to embed fraud controls directly into the card issuance and wallet flows.
• Utilize SQL and BigQuery to size fraud exposure, backtest thresholds, and monitor post-launch indicators.

Requirements

• 4–7+ years in fraud/risk strategy with hands-on experience in card authorization decisioning (issuer, acquirer, or processor side).
• Deep knowledge of card network mechanics, including clearing, settlement, 3DS/SCA, and dispute reason codes.
• Experience working with BaaS/program-manager vendors like Stripe Issuing, Marqeta, or Galileo.
• Advanced SQL proficiency for independent risk querying and sizing.
• Experience building 0-to-1 programs and translating ambiguous requirements into operating models.
• Advanced English proficiency.

Nice to have

• Prior experience with card issuing at a fintech or program manager.
• Familiarity with stablecoin-backed card programs or general crypto experience.
• Proficiency in Spanish or Portuguese.
• Background in cross-border remittance or LATAM-market fraud.
• Experience managing BIN sponsor or issuing bank relationships.

Culture & Benefits

• Competitive salary and annual performance bonus.
• Initial stock options grant.
• Comprehensive health, dental, and vision plans.
• 401(k) with employer match.
• Unlimited PTO and paid parental leave.
• Growth opportunities within a dynamic entrepreneurial environment.