Fraud Analyst

Accountabilities:

• • 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.

  Benefits:

  • 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.