Acquiring Risk Fraud Analyst

We're looking for an Acquiring Risk Fraud Analyst to join our Tallinn team. You'll have direct impact on Wise's mission by protecting our merchants and platform from fraud, while working in a fast-growing, disruptive environment. Wise pioneered new ways for people to transfer money across borders and manage their money with true multi-currency banking. Our operational team handles Acquiring chargebacks and works closely with our engineering and product teams. As an Acquiring Risk Fraud Analyst, you'll support operational success and drive detection and prevention initiatives with long-lasting impact.

Your

responsibilities

Fraud Prevention and Risk Management

• Protect Wise merchants from fraud chargeback losses
• Protect Wise from first-party merchant fraud
• Proactively analyze merchant dispute trends and identify gaps in acquiring fraud prevention rulesets in pre-authorization and post-authorization flows
• Create and optimize acquiring fraud rules to mitigate:
• Dispute rates (scheme compliance & fees)
• Chargeback loss rates (product cost)
• Merchant friction (rule precision)
• Understand and implement machine learning scores within static fraud rules to improve rule precision and recall
• Contribute to longer-term projects targeted at acquiring fraud reduction
• Work with Acquiring Product and Engineering teams on risk engine improvements and optimizing the fraud customer journey from rule declines to rule alerts and dispute processing
• Serve as escalation point for customer-facing Ops teams on all acquiring fraud prevention matters

Communication and Teamwork

• Explain and present your work and key ideas to your team and immediate stakeholders
• Present fraud trend analysis and learnings clearly and concisely
• Assist and support peers when needed

Incident Management

• Provide data and relevant insights to all stakeholders for incident management purposes
• Escalate risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders