As a Transaction Monitoring Lead you will establish best-in-class fraud detection practices, drive AI automation, and build a close-knit team of strong specialists. You will work across all card schemes and worldwide regions, with many legal entities and a diverse portfolio. Monitoring is in-house and largely automated, so your focus is on building, improving and leading, not on working through alert queues.
What you’ll own
- Establish fraud detection practices: design, implement and continuously improve monitoring rules and detection strategies, including approaches for non-standard cases where textbook practices fall short.
- Own the key metrics: be accountable for decline rate and fraud rate, understand what drives them, and manage the balance between risk and approval performance across the portfolio.
- Drive AI automation: bring AI and agents into monitoring workflows, such as triage, investigation support, rule tuning and reporting, building on the automation already in place.
- Lead and grow the team: build and develop a team of three specialists into a cohesive, high-performing unit with clear ownership and a strong culture of collaboration.
- Manage scheme requirements: work with Visa and Mastercard monitoring programmes, thresholds and risk indicators, and handle investigations and escalations.
- Report with clarity: give management a clear, timely and factual view of portfolio risk, including the difficult news, together with a proposed response.
- Partner across the company: work closely with Sales, Compliance, Engineering and other teams to turn risk insight into action.
Qualifications you will bring
Experience in an acquirer or PayFac environment. Experience limited to merchant-side fraud monitoring is not sufficient.
Hands-on experience with decline rate and fraud rate, including how they are calculated, what influences them and how they trade off against each other.
Proven ability to build processes for non-standard practices and cases, not only apply standard ones.
Practical experience developing, implementing and optimising transaction monitoring rules and fraud detection strategies.
Solid understanding of card scheme requirements (Visa and Mastercard) and fraud monitoring programmes.
Experience putting AI into a working process; building AI agents is a strong advantage.
Experience managing a team and operational fraud investigations and escalations.
A team-player attitude, the confidence to bring bad news early, and a proactive, self-directed approach to work.
Strong analytical skills and the ability to turn data into clear risk decisions.
Nice to have
SQL and the ability to analyse transaction data independently.
Experience in multi-entity, multi-region environments.
Experience with rules engines, ML scoring and monitoring tooling.
What it is like to work here
No on-call duty, and a high degree of trust and autonomy.
A large, global acquiring and issuing environment with real scale.
An AI-driven company where you can shape how automation is used in risk.
What we offer
Global collaboration & impact
Golden opportunity to apply and develop your talents to build the world’s best practices in fraud monitoring
Attractive monthly salary paid in line with experience
Paid annual and sick leave, flexible time off
Additional Birthday day off to enjoy some extra time
Full-time in one of our office location, 5/2
Employee referral bonus program - refer top talent you know and collect bonuses when they get hired
Corporate events to share valuable moments of joy with your team
