Transaction Health Senior Analyst

Wise is a global technology company, building the best way to move and manage the world’s money. Min fees. Max ease. Full speed. Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money. As part of our team, you will be helping us create an entirely new network for the world's money. For everyone, everywhere.

We're looking for a Transaction Health Senior Analyst to join our team in the Singapore office. This role is a unique opportunity to have an impact on Wise’s mission, grow as an analyst, help save millions more people money and work in a disruptive, fast-growing and fun environment.

Your mission:

Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking, and they can spend every day using our Wise debit card. Card payments represent a large part of the funds moved to Wise daily, and card fraud disputes are an inevitable part of that. Our Card Fraud team thus supports Wise’s mission in a very impactful area. We have an awesome operational team handling these Card Fraud disputes in four countries across the globe; a unified team that works very closely with our dedicated engineering and product teams. As a Card Fraud Analyst, you get to support your team’s operational success and bring your expertise to upscale the domain; driving detection and prevention focused initiatives with long-lasting impacts will be part of your daily work.

Here’s how you’ll be contributing to the team:

• Reducing Card Fraud loss (Spend product costs):
• Analysing Card Fraud dispute trends, independently querying databases and doing data deep dives
• Prioritising and delegating Card Fraud prevention workflows in line with our KPIs
• Card Fraud prevention rule creation: rule scope validation, rule creation, and monitoring post rule implementation
• Prioritising customer experience/impact from rule declines by writing rules with a high level of accuracy and quality that do not unnecessarily decline transactions causing a loss of revenue for Wise.
• Working closely with Product and Engineering teams to drive optimal customer experience from fraud declines and alerts
• Working closely with the Data science team on machine learning models
• Leading long term Card Fraud prevention projects contributing to the KRIs/KPIs/OKRs.
• Providing data and writing rules in relation to incidents, and managing incidents if needed.
• Effectively communicate and explain Card Fraud prevention strategies to Wisers who are not on the fraud prevention team
• Card Fraud Prevention and Risk Management:
• Protect our Wise cardholders from unauthorised card usage, scams, and payment instrument and account takeover fraud.
• Spend fraud rule creation and optimisation to mitigate the impact of card fraud on Wise cardholders suffering monetary loss, Spend fraud BPS (scheme compliance & fees), and unrecoverable fraud loss (product cost)
• Understand and implement machine learning scores within static fraud rules to improve rule precision and recall.
• Work with data science on the optimisation and periodical retraining of the internal card fraud machine learning model.
• Own longer term projects targeted at card fraud reduction.
• Engage Spend Product and Engineering teams to drive rule engine improvements, with the focus of optimising the card fraud customer journey from rule declines to rule alerts and dispute submission.
• Staying up to date with fraud trends highlighted by the card schemes, governmental organisations, and the media.
• Team Direction and Analytics Management:
• Prioritise and delegate work for a small team of analysts, effectively driving...