Fraud Prevention Manager

🔥 1 hour ago

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Bemobi

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2009

💳 Fintech

🛍️ eCommerce

📚 Education

Fintech • eCommerce • Education

Bemobi is a Brazilian technology company that revolutionizes the future of digital transactions by providing seamless payment solutions tailored to essential service industries. With a focus on enhancing customer experience, Bemobi offers a comprehensive platform for managing payments across various sectors including education, healthcare, finance, and utilities. Their solutions facilitate secure online transactions, optimize payment management, and improve engagement, making them a preferred choice among leading market players in multiple regions.

📋 Description

• Define, review and evolve the transactional fraud prevention strategy for Brazil operations, covering cards, Pix, recurring payments and digital channels • Manage rules, scores, lists, anti-fraud parameters and decisioning strategies, monitoring the balance between fraud, false positives, approvals and financial impact • Monitor fraud metrics, chargebacks, disputes, prevented losses, approval rate, false positives and behavior by customer, channel, MCC, product and payment method • Work on the chargeback cycle, including monitoring rates, root-cause analysis, preventive actions, alerts and prevention tools • Monitor card network programs such as Visa VAMP, Mastercard ECP and other applicable programs • Monitor portfolio transactional behavior to identify anomalies, merchant fraud, transaction laundering, bust-out, autofraud (self-fraud) and misuse of the operation • Support decisions on limits, blocks, reserves, customer reviews, merchant delisting or operational adjustments • Handle Pix-specific fraud, including social engineering, self-fraud, disputes via MED and patterns of operational abuse • Specify requirements for automation, data, integrations, reporting and systemic improvements together with Product, Technology and Data teams • Maintain product-operational relationships with acquirers, card networks, anti-fraud vendors and payment partners • Support the build-out of governance, routines, KPIs and executive materials on fraud prevention • Support analyses and discussions related to LATAM markets, especially Mexico

🎯 Requirements

• Strong experience in fraud prevention within an acquirer, sub-acquirer, gateway, PSP, fintech, bank, issuer or other relevant digital payments operation • Hands-on knowledge of cards, Pix, chargebacks, disputes, anti-fraud measures, transactional rules and risk indicators • Experience with anti-fraud tools, decision engines, bureaus, scoring, lists, custom rules or proprietary solutions • Knowledge of the chargeback cycle and its operational and financial impacts for sub-acquiring, gateway or digital payments operations • Experience managing the balance between fraud prevention, false positives, approvals, user experience and financial impact • Strong analytical skills with advanced spreadsheet proficiency, KPIs and transactional data analysis • Ability to translate fraud problems into practical actions prioritized by financial impact, risk and effort • Good communication with technical, operational, commercial and regulatory areas and external vendors • Ability to act as a technical reference in fraud prevention, supporting decisions, analyses, routines, governance and mitigation plans • Experience with recurring payments, utilities, telecom, education, insurance or other high-volume transactional segments • Knowledge of card network programs, chargeback monitoring and dispute prevention tools • Experience with SQL, BI or dashboard creation • Experience in sub-acquiring environments, split payments, multi-merchant setups, multiple MCCs, gateway or white-label operations • Knowledge of LATAM markets, including transactional behavior, local payment methods, acquirers, gateways, banks, card networks, processors, switches and data bureaus • Intermediate or advanced Spanish • Experience with AML and knowledge of BACEN regulations

🏖️ Benefits

• Bradesco National Health Plan - extended to dependents with no per-dependent discount • Optional Bradesco plan • Flexible meal/food allowance (VR/VA) - maintained during vacation • Profit Sharing (PLR) • Wellhub • Birthday day off • Home office allowance • Commuter allowance (VT) as needed - legally permitted deductions apply • Zurich life insurance • Free access to all our products - AppsClub, Discount Club, TrueCaller, BTFit and Busuu • Access to internal training via digital platforms • Internal recognition program among employees - Bemobucks