Company Description
Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.
Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.
As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.
More about our mission and what we offer.
Job Description
What the Card Fraud Prevention and Risk Management does:
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Protect our Wise customers from unauthorised card usage, scams, and payment instrument and account takeover fraud.
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Proactively analyse card fraud dispute trends and identify gaps in the card fraud prevention rulesets in the authorisation, post-authorisation, and tokenisation flows.
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Card fraud rule creation and optimisation to mitigate the impact of card fraud on the following:
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Wise customers suffering monetary loss
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Card fraud BPS (scheme compliance & fees)
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Unrecoverable fraud loss (product cost)
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Understand and implement scheme and internal machine learning scores within static fraud rules to improve rule precision and recall.
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Contributing to longer term projects targeted at card fraud reduction.
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Working with Receive Product and Engineering teams on rule engine improvements, and optimising the card fraud customer journey from rule declines to rule alerts and dispute submission.
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Serve as a point of escalation for all things card fraud prevention related for customer facing Ops teams.
Qualifications
What we are looking for:
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Analytical and Strategic Abilities
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Able to independently prioritise your workflows (team specific & external escalations) well, delivering quality work that resolves issues within agreed timelines.
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Able to competently think through analytical tasks and fully understand the impact of card fraud rules on the spend product and on our customers.
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Deliver quality analysis that addresses the business problem.
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Comfortable with complexity and aware of key factors underlying a decision.
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Able to propose ideas autonomously to deflect card fraud waves.
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Able to code both independently and in collaboration with other analysts, and write legible code that is usable by others.
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Able to test fraud rule conditions autonomously and troubleshoot code and risk engine related issues.
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Comfortable learning new data analysis techniques and methods.
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Effective communication and teamwork skills
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Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders
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Able to present learnings and card fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.
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Incident Management
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Providing data and relevant insights to all stakeholders for the purposes of incident management
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Escalating risks sitting outside of the Card Fraud domain (or appetite) to external stakeholders
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Additional Information
For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.
We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.
If you want to find out more about what it's like to work at Wise visit Wise.Jobs.
Keep up to date with life at Wise by following us on LinkedIn and Instagram.
