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.

We’re looking for a Card Fraud Analyst (Acquiring) to join our team, focusing on Acquiring and Merchant Chargeback & Investigations within the Spend & Receive area.

This role is a unique opportunity to have an impact on Wise’s mission by contributing to building and supporting operationally sustainable cross-border products and help save millions more people money. 

Your mission: 

Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking and convenient business solutions.

Card payments represent a large part of the funds moved to Wise daily, and card fraud disputes are an inevitable part of that. Our Card Fraud team thus supports Wise’s mission in a very impactful area.

We have an awesome operational team handling these Card Fraud disputes in four countries across the globe; a unified team that works very closely with our dedicated engineering and product teams.

As a Card Fraud Analyst, you get to support your team’s operational success and bring your expertise to upscale the domain; driving detection and prevention focused initiatives with long-lasting impacts will be part of your daily work. 

Here’s how you’ll be contributing to Card Disputes team: 

• Card Fraud Prevention and Risk Management:

  • Protect our Wise customers from unauthorised card usage, scams, and payment instrument and account takeover fraud.

  • Proactively analyse card fraud dispute trends and identify gaps in the card fraud prevention rulesets in the authorisation, post-authorisation, and tokenisation flows.

  • Card fraud rule creation and optimisation to mitigate the impact of card fraud on the following:

    • Wise cardholders suffering monetary loss

    • Card fraud BPS (scheme compliance & fees)

    • Unrecoverable fraud loss (product cost)

  • Understand and implement scheme and internal machine learning scores within static fraud rules to improve rule precision and recall.

  • Contributing to longer term projects targeted at card fraud reduction.

  • 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.

  • Serve as a point of escalation for all things card fraud prevention related for customer facing Ops teams.

• Analytical and Strategic Abilities

  • Able to independently prioritise your workflows (team specific & external escalations) well, delivering quality work that resolves issues within agreed timelines. 

  • Able to competently think through analytical tasks and fully understand the impact of card fraud rules on the spend product and on our customers.

  • Deliver quality analysis that addresses the business problem.

  • Comfortable with complexity and aware of key factors underlying a decision.

  • Able to propose ideas autonomously to deflect card fraud waves.

  • Able to code both independently and in collaboration with other analysts, and write legible code that is usable by others. 

  • Able to test fraud rule conditions autonomously and troubleshoot code and risk engine related issues.

  • Comfortable learning new data analysis techniques and methods.

• Effective communication and teamwork skills

  • Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders

  • Able to present learnings and card fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.

• Incident Management

  • Providing data and relevant insights to all stakeholders for the purposes of incident management

  • Escalating risks sitting outside of the Card Fraud domain (or appetite) to external stakeholders

This role will give you the opportunity to: 

• Make an Impact - You’ll help to identify and automate manual processes that complicate our customers’ lives, while increasing the efficiency of the whole operations organisation, driving us towards Mission Zero!

• Challenge Yourself - You’ll be working with teams that face complex situations. You get the chance to question the norm and drive to make things happen instead of wondering why things happened. Through that you can learn more about yourself and what you are capable of when given the right tools and mentoring.

• Inspire Teams - You’ll fuel the revolution with your ideas, knowledge, self-starter attitude, and customer insight, which you’ll use to work with product development engineers and other operational teams to help solve our customer’s problems!

• Work Globally - You’ll work closely with internal and external partners and help to figure out ways to make our customers’ lives better. We’re 2000+ Wisers with 70+ nationalities located in offices from Tampa to Tokyo, and much like our product, we operate without borders across teams and locations. We get it done!

• You are eligible to work in Estonia, we do not provide relocation or visa support

• Your verbal and written English skills are excellent. If you speak other languages then that’s a bonus!

• You have experience working with datasets or alerts, fraud rules and patterns investigation

• You have experience with SQL, or a similar coding language, and have experience with Fincrime prevention strategy creation and management.

• You have strong attention to detail, punctuality, and are comfortable taking initiatives. 

• You are good with routine but can also adapt and keep up with fast changes.

• You are able to work independently but also know how important good team-work is.

• You can make decisions in critical situations and have the ability to multitask.

• You have a genuine enthusiasm for the FinCrime industry

• Hybrid role based in Tallinn, Estonia
• Start date: preferably April
• Please check out our numerous benefits here

Process

• Application review
• Preliminary call with Recruiter: 30mins
• Take Home Task
• First round Interview (60mins)
• Final Interview (30mins)
  
  If you're interested in the position, please send your application by 17th March 5pm EET

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.