About the company
Our partner is looking for a Fraud Analyst based in Romania.
Responsibilities
- Own fraud detection and prevention activities for an assigned digital product, from identifying threats through resolution and continuous improvement.
- Analyze large datasets using SQL to identify fraud patterns, anomalies, emerging attack vectors, and changes in user behavior.
- Design, implement, maintain, and optimize dynamic fraud risk rules that can scale with business growth.
- Monitor and improve false-positive rates while maintaining an effective balance between fraud prevention, conversion, and customer experience.
- Own and optimize 3DS decisioning across multiple countries, determining when additional authentication should be triggered.
- Analyze conversion, rejection, and verification drop-off rates and translate findings into data-driven improvements.
- Design and maintain fraud detection logic, alerts, and workflows used by fraud operations teams.
- Collaborate with Product, Payments, Data, and Engineering teams to strengthen fraud detection and verification systems.
- Track fraud trends, communicate insights and recommendations clearly, and ensure decisions are informed by relevant risk indicators.
- Take ownership of fraud-related decisions, evaluate their outcomes, and iterate quickly based on results.
Requirements
- Proven professional experience in fraud analysis, payments risk, risk management, or a closely related field, with demonstrated ownership of outcomes.
- Strong SQL skills and practical experience working with large datasets; SQL proficiency is mandatory.
- Hands-on experience creating, maintaining, and optimizing dynamic fraud risk rules.
- Strong understanding of fraud patterns, user behavior, payment risks, and relevant key risk indicators.
- Practical knowledge of 3DS and authentication strategies across different countries and regions.
- Strong analytical, problem-solving, and critical-thinking abilities, with confidence making data-backed decisions.
- Excellent communication skills and the ability to explain complex analytical or technical topics clearly to different stakeholder groups.
- Professional fluency in English, with strong written and verbal communication skills.
- Python experience is a plus.
- Experience in fintech, payments, payment processing, or high-growth digital product environments is advantageous.
- Familiarity with fraud and payments solutions such as Forter, nSure, or justt.Ai is a plus.
- Knowledge of PSD2, SCA, TRA, and liability-shift concepts is beneficial.
- Experience working across international, multi-market environments is an advantage.
Conditions
- Annual salary of €32,400–€40,020, depending on experience and level of responsibility.
- Opportunity to participate in an employee stock options program.
- Fully remote flexibility, with the option to work from an office and the opportunity to combine work with travel.
- Performance-based, referral, and additional paid-leave bonus programs.
- Personal learning budget to support continuous professional development.
- Paid volunteering opportunities.
- Opportunities to contribute to the growth and scaling of a unique digital product.
- Strong opportunities for personal and professional growth, supported by structured feedback and promotion processes.
- International, English-speaking working environment.