Acquiring Fraud Investigator – 2nd LoD

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Finom

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2019

💳 Fintech

💸 Finance

🤝 B2B

Fintech • Finance • B2B

Finom is a fintech company offering comprehensive financial services for SMEs, freelancers, and companies. The platform provides tools for invoicing, expense management, and easy online account opening with added benefits like cashback and international IBAN accounts. Finom ensures data security through partnerships with banks like SolarisBank and Treezor, making it a fast and reliable service for business financial management.

📋 Description

• Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes, partners, law enforcement, industry intelligence) to identify emerging fraud risks related to acquiring business. • Translate observed patterns into well-defined acquiring fraud scenarios, covering areas such as Card-Present and Card-not-present fraud, friendly fraud and dispute abuse, merchant fraud, transaction laundering, enumeration and testing attacks. • Maintain and continuously enrich the Acquiring Fraud Typology Library, aligned with scheme rules, regulatory expectations, and Finom’s risk appetite. • Work closely with the Fraud Risk Manager, product, engineering, and ML teams to ensure correct translation of acquiring fraud scenarios into rules, thresholds and controls as well as machine-learning features and signals. • Participate in back-testing, validation, and tuning of acquiring fraud controls prior to production release. • Monitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimisation actions. • Act as a Second Line challenger, providing independent oversight of acquiring fraud risk decisions taken in the First Line. • Support scheme-related topics such as Visa / Mastercard monitoring programs, dispute ratios, and remediation actions. • Establish proper stakeholder management with product teams, risk management, quality assurance and operations teams. • Develop training materials and guidance for acquiring fraud analysts, dispute teams, and QA. • Assist in drafting and reviewing system requirements, procedures, and internal policies related to acquiring fraud prevention. • Actively participate in process improvement initiatives and ad-hoc projects within the Financial Crime Risk Management function. • Perform other duties as reasonably required to support the operational efficiency and fraud loss prevention of Finom.

🎯 Requirements

• English – full working proficiency • 2–4+ years of experience in fraud risk, acquiring fraud, card fraud, or payments risk within a fintech, PSP, or regulated financial institution • Experience with fraud prevention, fraud detection, fraud investigations and fraud mitigations in the financial (Banking, PSP, FinTech) sector • Solid understanding of card fraud typologies, card scheme rules, and dispute / chargeback mechanics • Knowledge of the payments ecosystem, issuing and acquiring • Experience working with fraud rules, scenarios, or ML-driven controls (end-to-end lifecycle preferred) • Ability to analyse large datasets; experience with SQL and/or BI tools is a strong advantage • Strong analytical and critical-thinking skills • Detail-oriented, proactive, and comfortable working in a fast-paced, scaling environment • Ability to balance risk mitigation with business enablement.

🏖️ Benefits

• Make a genuine impact on the product • Join our upward trajectory, and grow with us. • Work in the EU • Enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe. • Become a stock options holder • Unlock your inner entrepreneur through our Stock Options Program. • Receive unwavering support and care • Constant support to ensure your Finom experience is successful and fulfilling. • Immerse yourself in our exclusive Work & Swim Program • Spend one month in a comfortable corporate apartment in enchanting Cyprus.