Acquiring Fraud Investigator (2nd LoD)

What You Will Be Doing

Acquiring Fraud Risk & Scenario Development

• Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes, partners, law enforcement, industry intelligence) to identify emerging fraud risks related to acquiring business.
  

• Translate observed patterns into well-defined acquiring fraud scenarios, covering areas such as Card-Present and Card-not-present fraud, friendly fraud and dispute abuse, merchant fraud, transaction laundering, enumeration and testing attacks
  

• Maintain and continuously enrich the Acquiring Fraud Typology Library, aligned with scheme rules, regulatory expectations, and Finom’s risk appetite.
  

• Work closely with the Fraud Risk Manager, product, engineering, and ML teams to ensure correct translation of acquiring fraud scenarios into rules, thresholds and controls as well as machine-learning features and signals
  

• Participate in back-testing, validation, and tuning of acquiring fraud controls prior to production release.
  

• Monitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimisation actions.
  

• Act as a Second Line challenger, providing independent oversight of acquiring fraud risk decisions taken in the First Line.
  

• Support scheme-related topics such as Visa / Mastercard monitoring programs, dispute ratios, and remediation actions.
  

• Establish proper stakeholder management with product teams, risk management, quality assurance and operations teams
  

• Develop training materials and guidance for acquiring fraud analysts, dispute teams, and QA.
  

• Assist in drafting and reviewing system requirements, procedures, and internal policies related to acquiring fraud prevention.
  

• Actively participate in process improvement initiatives and ad-hoc projects within the Financial Crime Risk Management function.
  

• Perform other duties as reasonably required to support the operational efficiency and fraud loss prevention of Finom.
  
  

Required Experience & Skills

• English – full working proficiency
  

• 2–4+ years of experience in fraud risk, acquiring fraud, card fraud, or payments risk within a fintech, PSP, or regulated financial institution
  

• Experience with fraud prevention, fraud detection, fraud investigations and fraud mitigations in the financial (Banking, PSP, FinTech) sector
  

• Solid understanding of card fraud typologies, card scheme rules, and dispute / chargeback mechanics
  

• Knowledge of the payments ecosystem, issuing and acquiring
  

• Experience working with fraud rules, scenarios, or ML-driven controls (end-to-end lifecycle preferred)
  

• Ability to analyse large datasets; experience with SQL and/or BI tools is a strong advantage
  

• Strong analytical and critical-thinking skills
  

• Detail-oriented, proactive, and comfortable working in a fast-paced, scaling environment
  

• Ability to balance risk mitigation with business enablement
  

Interpersonal Skills

FINOM strongly rejects the “Compliance says No” mindset.

We are looking for someone who:

• Thinks like a risk partner, not a blocker
  

• Is comfortable challenging assumptions and proposing pragmatic solutions
  

• Can explain complex fraud risks in simple, business-friendly language

• Communicates effectively with stakeholders across product, tech, and operations