Risk Analyst, SQL – Card Payment Fraud

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Binance

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2017

₿ Crypto

💳 Fintech

💰 Initial Coin Offering on 2020-12

Crypto • Fintech

Binance is the world's leading cryptocurrency exchange, serving over 235 million registered users across more than 180 countries. The platform offers a wide array of services, including the trading of over 350 cryptocurrencies in Spot, Margin, and Futures markets. Users can also buy and sell crypto via Binance P2P, earn interest through Binance Earn, and engage in NFT trading on the Binance NFT marketplace. Binance provides low transaction fees and diverse payment options, making it a preferred choice for cryptocurrency enthusiasts worldwide.

📋 Description

• Real-time transaction monitoring: Monitor card authorization flows and flag suspicious activity across debit/credit card portfolios. • Fraud rule strategy: Design, test, tune, and deploy fraud detection rules and risk scoring strategies at the authorization (auth) decision point — balancing fraud capture rate against false-positive / decline rates. • Investigation & case management: Investigate suspected fraud cases (account takeover, counterfeit/cloned cards, stolen card, CNP fraud, first-party/friendly fraud), determine root cause, and take action (block, step-up, decline). • Loss & performance analysis: Track fraud losses, chargeback rates, approval rates, and key risk KPIs; produce dashboards and reporting for management. • Chargeback & dispute support: Work with dispute/chargeback teams on fraud-related chargebacks and network (Visa/Mastercard) reason codes. • Cross-functional collaboration: Partner with product, engineering, data science, and compliance to improve fraud models, tooling, and controls. • Emerging threat detection: Stay ahead of evolving fraud typologies, BIN attacks, enumeration/testing attacks, and organized fraud rings.

🎯 Requirements

• 3+ years in card payment fraud risk, ideally on the issuer or card processor / issuer-processor side. • Solid understanding of the card payment lifecycle: authorization, clearing, settlement; the roles of issuer, acquirer, card network (Visa/Mastercard), and processor. • Familiarity with authorization message flows (ISO 8583), auth/decline codes, AVS, CVV, and 3-D Secure (3DS) / SCA. • Working knowledge of fraud typologies: card-not-present (CNP) fraud, account takeover (ATO), counterfeit/cloned cards, lost/stolen, BIN attacks, card testing/enumeration. • Experience with fraud detection / rules engines (e.g., Falcon, SAS, Feedzai, Featurespace, or in-house platforms). • Strong data analysis skills: SQL required; ability to interrogate transaction data and quantify fraud/risk trade-offs. • Understanding of chargeback lifecycle and network dispute reason codes.

🏖️ Benefits

• Competitive salary and company benefits • Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team)