Fraud Strategy Specialist – Card Issuance

• Own fraud strategy for the card issuance program end-to-end, from pre-launch risk assessment through steady-state monitoring after go-live
• Translate the infrastructure partner's area-of-responsibility split into an operating decisioning model and actual controls
• Design and own authorization decisioning for card transactions, including approve/decline logic, 3DS/SCA step-up, velocity limits, and cross-card/cross-account linkage
• Monitor fraud-to-sales and dispute ratios against card network thresholds, including Visa VAMP and Mastercard's excessive chargeback program
• Build the cardholder fraud lifecycle, including onboarding risk, first-card-use monitoring, and BIN- and portfolio-level pattern detection
• Partner with Product and Engineering to embed controls into card issuance and wallet funding/spend flows
• Own card dispute and chargeback strategy, including network reason codes and representment approach, in partnership with Fraud Operations
• Serve as the fraud voice in vendor conversations and maintain the requirements document
• Use SQL/BigQuery to size fraud exposure, backtest authorization thresholds, and monitor post-launch indicators
• Build a reusable fraud playbook for future card products and market expansion

• 4–7+ years in fraud/risk strategy, with direct, hands-on experience in card authorization decisioning — issuer, acquirer, program manager, or processor side
• Working knowledge of card network mechanics: authorization/clearing/settlement flow, 3DS/SCA, network fraud-monitoring programs (Visa VAMP or equivalent, Mastercard excessive chargeback programs), and dispute reason codes
• Experience working with or evaluating BaaS / program-manager card issuing vendors (Stripe Issuing, Marqeta, Galileo, or similar), including fraud AoR/RACI negotiation
• Advanced SQL
• Demonstrated bias toward product and action-based fraud controls (step-up auth, holds, dynamic friction) over rules as the default fix
• Comfortable building in ambiguity on a 0-to-1 program — translating vendor documentation, legal, and compliance input into an actual operating model
• Strong cross-functional communication; this role sits at the intersection of Fraud, Product, Compliance, and an external vendor
• Advanced English

• Initial stock options grant
• Annual performance bonus
• Health, dental, and vision plans
• Continuous learning opportunities
• Unlimited PTO
• Paid parental leave
• Work model: currently fully remote, with a future transition to a hybrid set up
• Empowering opportunities for growth in a dynamic entrepreneurial environment