Head of Chargeback & Risk Analyst

• Optimize payment flows - Analyze throughput, test new markets, and fine-tune cascades to improve global conversion rates.
• Manage acquiring networks - Work directly with international banks and PSPs to configure and launch MIDs.
• Master chargeback mechanics - Analyze disputes, friendly fraud patterns, and initiate alert/representation services.
• Automate and innovate - Design processes that enhance payment infrastructure efficiency and transparency.
• Make an impact - Every decision you make can add thousands of dollars to company revenue through better approval ratios and lower fees.

• Design, implement, and oversee Paythex's Risk Management Framework in collaboration with the CRO.
• Conduct periodic enterprise risk assessments covering operational, financial, legal, and compliance dimensions.
• Develop internal governance and escalation protocols for emerging risks and regulatory requirements.
• Ensure compliance with international financial standards, VASP obligations, and PSP regulations.

• Build and maintain advanced fraud detection rules in anti-fraud systems.
• Manage chargeback alerts (Ethoca, Verifi, etc.) and representation flows with precision.
• Oversee fraud trend analysis and risk scoring logic to proactively minimize exposure.
• Collaborate with Data and BI teams to enhance automated alerting, scoring models, and dashboards.

• Ensure full adherence to Mastercard and Visa Compliance policies.
• Track and report on Fraud-to-Sales and Chargeback-to-Sales ratios to prevent merchant monitoring program violations.
• Prepare and submit remediation plans if thresholds are exceeded and manage communications with acquirers or card scheme representatives.
• Collaborate with PSPs and banks to maintain brand reputation compliance, transaction integrity, and descriptor accuracy.
• Stay current with updates to Mastercard and Visa risk programs - proactively adjusting risk rules and merchant configurations.

• Monitor PSP and acquirer performance globally and adjust routing logic to improve approval rates.
• Collaborate with Finance and Tech teams to reconcile transactional data and verify processing accuracy.
• Test and integrate new payment methods to expand the company's market coverage.

• Hire, mentor, and lead a team of risk and chargeback analysts.
• Define KPIs, conduct regular performance reviews, and provide ongoing professional training.
• Foster a high-performance, data-driven culture that emphasizes accountability and growth.
• Collaborate cross-functionally with Finance, Sales, and Support to maintain a unified risk strategy.

• Develop real-time dashboards with the BI team to visualize approval ratios, alerts, chargebacks, and exposure.
• Provide regular strategic reports to management outlining key risks, financial impacts, and mitigation progress.
• Identify patterns and anomalies across PSPs, brands, and affiliates, translating data into actionable strategies.

• 3+ years in risk management, fraud prevention, or payments analytics (Fintech experience preferred).
• Proven expertise in managing multi-PSP / multi-MID infrastructures and chargeback processes.
• Strong analytical and quantitative skills - proficiency in Excel, Power BI tools.
• Familiarity with alert systems (Ethoca, Verifi) and acquirer monitoring tools.
• Experience working with international PSPs and card schemes (Visa, Mastercard, etc.).
• Excellent communication skills, capable of liaising with banks, regulators, and internal stakeholders.
• Passion for continuous learning and an investigative mindset suited to rapidly evolving fintech landscapes.
• Ability to thrive in a global team environment with shifting priorities and tight deadlines.

Rabota