Risk Control Analyst, Card & ATO Risk (Fintech)

Location: Remote in Asia

Company

Binance operates a global blockchain ecosystem offering cryptocurrency trading, financial services, payments, institutional products, education, research, and Web3 features.

What you will do

• Act as the primary risk contact for issuer-side card risk, including BIN fraud, transaction monitoring, authorization, card lifecycle controls, and disputes.
• Design, deploy, and optimize risk rules and strategies for card opening, credit limit changes, transactions, and chargebacks.
• Develop account takeover detection and prevention strategies across login, device, transaction, and account-change scenarios.
• Build layered defenses using device, IP, behavioral, and biometric risk signals.
• Analyze attack patterns, monitor risk metrics, conduct post-event reviews, and translate findings into mitigation strategies.
• Coordinate with payment, product, compliance, data, engineering, and external risk-vendor teams to implement and tune controls.

Requirements

• 3+ years of experience in risk control, fraud prevention, or a related analytical role.
• Hands-on experience designing and deploying risk rules or strategies in real-time production environments.
• Strong analytical skills, including risk-feature extraction, detection-logic design, and control-effectiveness measurement.
• Understanding of rule-based systems, scoring models, and layered defense frameworks.
• Proficiency in SQL and data-analysis tools, with experience working with large datasets.
• Bilingual English and Mandarin required; strong communication and stakeholder-management skills.

Nice to have

• Issuer-side card risk experience, including BIN management, authorization risk, 3DS, or card fraud detection.
• Experience with account takeover, account fraud, or identity-risk domains.
• Experience integrating third-party risk vendors such as face verification, device fingerprinting, or fraud-scoring providers.
• Knowledge of card and fintech regulatory and compliance requirements.
• Experience using AI tools to analyze risk issues, optimize rules, screen data, or accelerate investigations.

Culture & Benefits

• Work-from-home arrangement; details may vary according to the business team's work.
• Global organization with a flat structure and cross-functional collaboration.
• Fast-paced projects with autonomy and opportunities for continuous learning and career growth.
• Competitive salary and company benefits.