Wise is a global technology company, building the best way to move and manage the world’s money.
We’re looking for an Acquiring Risk Fraud Analyst to join our team in the Tallinn office.
Responsibilities
Acquiring Fraud Prevention and Risk Management: Protect our Wise merchants from fraud chargeback losses; Protect Wise from first party merchant fraud; Proactively analyse merchant dispute trends and identify gaps in the acquiring fraud prevention rulesets in the pre-authorisation and post-authorisation flows.
Acquiring fraud rule creation and optimisation to mitigate the impact of acquiring fraud on the following: Dispute rates (scheme compliance & fees); Chargeback loss rates (product cost); Wise merchant experience (rule precision).
Understand and implement machine learning scores within static fraud rules to improve rule precision and recall.
Contributing to longer term projects targeted at acquiring fraud reduction.
Working with Acquiring Product and Engineering teams on rule engine improvements, and optimising the acquiring fraud customer journey from rule declines to rule alerts and dispute processing.
Serve as a point of escalation for all things acquiring fraud prevention related to customer facing Ops teams.
Effective communication and teamwork skills: Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders; Able to present learnings and acquiring fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.
Incident Management: Providing data and relevant insights to all stakeholders for the purposes of incident management; Escalating risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders.
Requirements
Your verbal and written English skills are excellent. If you speak other languages then that’s a bonus!
You communicate findings clearly, in writing and out loud, to both technical and non-technical audiences.
You have strong attention to detail, punctuality, and are comfortable taking initiatives.
You are good with routine but can also adapt and keep up with fast changes.
You are able to work independently but also know how important good team-work is.
You can make decisions in critical situations and have the ability to multitask.
You have hands-on experience with fraud prevention strategy - building rules, tuning thresholds, or running post-incident reviews.
You have at least 1 year of experience creating fraud rules on a risk engine.
You are proficient in SQL, and have experience building.