Merchant Acquiring Fraud Analyst (2nd LoD)

Responsibilities

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

Languages