Head of Anti-Fraud

Job not on LinkedIn

🔥 14 minutes ago

🇨🇾 Cyprus – Remote

⏰ Full Time

🔴 Lead

👻 Ghost score 10%

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Mercuryo

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2018

💳 Fintech

🌐 Web 3

💰 Series A on 2021-06

Fintech • Web 3 • Payments

Mercuryo is a global fintech company creating a new generation of financial services for leading web3 and fintech applications. The company offers a holistic platform that integrates with both web3 and fiat worlds through a single API to provide a wide range of financial services. Mercuryo facilitates fiat-to-crypto exchanges, on- and off-ramps, and provides built-in anti-fraud infrastructure and screening. By partnering with notable entities like MetaMask and PancakeSwap, Mercuryo enhances access to decentralized finance (DeFi) services, streamlines onboarding, and strengthens payment solutions. Backed by a team of over 200 professionals, Mercuryo is at the forefront of payments innovation, aiming to bridge conventional and web3 finance.

📋 Description

• Run Mercuryo’s fraud prevention function and report directly to the Head of AML Operations • Own fraud risk across the on/off-ramp widget, wallet, swaps, and card acquiring pay-ins and pay-outs • Lead complex, large-scale fraud investigations involving linked-account networks, card testing, mule activity, account takeover, scams, and merchant or partner collusion • Set investigation standards, including linked case histories, closure deadlines, root-cause analysis and audit-ready evidence • Change rules, restrict or offboard merchants and partners, and escalate suspicion to Transaction Monitoring and the MLRO • Own the anti-fraud rule set, including design, impact testing, approvals, rule registration and effectiveness reviews • Identify control weaknesses and redesign controls, procedures, tooling and fraud risk assessments • Build and run AML alert and block rules on the anti-fraud platform while keeping fraud and AML rules separately registered and assigned • Maintain acquirer and MID compliance with Visa and Mastercard fraud and dispute thresholds • Lead responses to Visa and Mastercard notices and programme identifications within scheme deadlines • Act as anti-fraud lead with acquiring partners, responding to RFIs, agreeing remediation plans and completing due-diligence questionnaires • Own chargebacks and disputes, including representment, pre-arbitration, deadlines, win rates, tooling and pre-dispute alerts • Detect and stop unauthorized partner and merchant use of Mercuryo widgets or payment links through resellers, aggregators, iframes and redirects • Select and manage merchant-monitoring and transaction-laundering detection providers • Define alert triage, action and evidence processes • Coordinate with KYB, Integrations, Legal and Acquiring on blocking, takedowns, contractual remedies, offboarding and reporting • Lead and develop a multinational Anti-Fraud team of specialists, analysts, chargeback and fraud operations staff • Report fraud losses, chargeback and fraud ratios, scheme exposure, incidents and control status to senior management and the Board • Maintain the incident register and close audit, QA and compliance-monitoring findings with evidence • Partner with Product and Engineering to ensure fraud controls are implemented before new products, markets and merchants launch

🎯 Requirements

• At least 8 years in fraud prevention in payments, card acquiring, a PSP or EMI, or crypto • At least 3 years leading a fraud team or function, preferably one spread across several countries • Personally led large-scale fraud investigations from detection to resolution, including card-testing attacks, mule networks, account takeover rings or merchant collusion • Produced evidence for acquirers, card schemes or law enforcement • Redesigned fraud controls and procedures after an audit, scheme notice or major incident, and demonstrated effects on losses and ratios • Direct experience handling acquirer RFIs, remediation plans and scheme programme cases • Detailed knowledge of Visa and Mastercard programmes, including VAMP, VIRP, TC40, Compelling Evidence 3.0, Order Insight, RDR, ECP, EFM, GMAP, BRAM, GRIP, Scam Merchant Monitoring Program, Merchant Monitoring Program, SAFE, MATCH and Ethoca alerts • Knowledge of how Visa and Mastercard rules apply to crypto merchant-of-record payments (MCC 6051), including transaction-laundering exposure • Knowledge of 3-D Secure and Strong Customer Authentication, including exemptions and liability shift • Experience owning a rules-based fraud engine, including rules, lists, velocity limits, device fingerprinting, BIN and geo controls, with back-testing or shadow mode before release • SQL proficiency • Experience building dashboards in Metabase or a similar tool • Ability to analyze large transaction datasets personally • Experience designing detection for transaction laundering and unauthorized website use • Experience with test purchases through multi-step checkouts, redirect and referrer analysis, and measuring monitoring-provider detection rates and false positives • Experience running a fraud risk assessment covering external and internal fraud using COSO or ACFE guidance • Ability to write clear procedures that pass internal audit and regulator review and maintain evidence that controls operate as written • Understanding of fraud and AML intersections, including mule networks, SAR escalation and sanctions screening • Experience building AML controls on a fraud platform • Ability to present data on losses and scheme exposure to obtain engineering priority • Fluent written and spoken English

🏖️ Benefits

• Competitive market rate salary and performance-based incentives • 22 days annual leave with an additional 6 company days, plus bank holidays • Comprehensive health insurance plans • Maternity & Paternity leave support • Extensive benefits program • Flexible work schedule and remote work options • Modern offices and co-working spaces across 6 countries • Working equipment • Professional development and training opportunities • Opportunity to shape the initiatives you’re working on • Diverse and friendly team • Open-minded culture welcoming new ideas