Chargeback and Fraud Monitoring Specialist

Описание вакансии

#vacancy #вакансия #chargebacks #fraud #fraudmonitoring #payments #risk #fintech

🧷 Position: Chargeback and Fraud Monitoring Specialist

📍 Location: Limassol | On-site

⚡️ paytech builds the technology behind modern payments. Our white-label payment gateway, payment orchestration platform, and growing suite of payment products help businesses launch, scale, and optimise their payment infrastructure.

We’re looking for a Chargeback and Fraud Monitoring Specialist to monitor payment activity, investigate potentially fraudulent transactions, manage chargeback cases, and help reduce financial and compliance risks across our payment operations.

🧩 Key Responsibilities:

• Monitor transactions and payment activity for suspicious behaviour, unusual patterns, and potential fraud
• Review fraud alerts generated by PSPs, acquirers, fraud prevention tools, and internal monitoring systems
• Investigate potentially fraudulent transactions using customer profiles, payment history, device data, IP addresses, card usage, and behavioural patterns
• Identify fraud trends across traffic sources, markets, payment methods, BINs, issuers, and merchant accounts
• Review individual chargeback cases and determine whether they should be accepted or disputed
• Collect and prepare supporting evidence for chargeback representment, including transaction details, 3DS authentication results, customer communication, login history, terms acceptance, payment records, and service usage evidence
• Submit chargeback responses within deadlines established by card schemes, acquirers, and PSPs
• Monitor chargeback ratios, fraud-to-sales ratios, dispute rates, and other card-scheme risk indicators
• Track Mastercard and Visa monitoring thresholds and help prevent entry into fraud or chargeback monitoring programmes
• Investigate spikes in chargebacks or fraud and identify potential causes, including traffic quality, technical issues, misleading descriptors, recurring payment problems, and operational failures
• Support the implementation and optimisation of fraud prevention rules, transaction limits, velocity checks, blacklists, whitelists, and risk-scoring criteria
• Review existing fraud rules and recommend adjustments to reduce fraud without unnecessarily impacting approval and conversion rates
• Work closely with Payments, Risk, Compliance, Customer Support, Finance, Product, and Technical teams
• Communicate with PSPs, acquirers, fraud prevention providers, and other external partners regarding fraud alerts, chargebacks, evidence requirements, and risk recommendations
• Prepare regular reports on chargebacks, fraud levels, dispute outcomes, recovery rates, trends, and emerging risks
• Ensure investigations and dispute-handling activities follow internal procedures, card-scheme rules, regulatory requirements, and data-protection standards
• Contribute to the continuous improvement of fraud monitoring, chargeback handling, and payment risk procedures

🗒 Requirements:

Must-have:

• Strong analytical and investigative skills
• Ability to identify suspicious payment patterns and investigate transaction-level activity
• Understanding of chargeback and dispute-handling processes
• Ability to work with large volumes of payment and risk data
• Excellent attention to detail and ability to manage time-sensitive cases
• Strong communication skills and confidence working with internal teams and external payment partners
• Ability to balance fraud prevention with payment approval and conversion performance
• Comfortable working in a fast-paced, high-volume payment environment

🎁 What We Offer:

• Work equipment tailored to your needs: Mac, Windows, or Linux
• Cozy Limassol office with coffee, snacks, drinks, PS5, and rooftop view
• Private medical insurance after probation and additional benefits, including sport coverage
• Partial lunch coverage
• Full work-permit support

🌿 Contact: Откликнуться