Fraud Prevention Specialist

Summary

Join RecargaPay, a leading digital ecosystem in Brazil, and make an impact on millions of users. As a Credit Card Fraud Prevention Specialist, you will play a strategic role in safeguarding assets and protecting customer experiences from evolving fraud threats. You will monitor transactions, analyze data, develop and optimize fraud prevention strategies, manage technologies, and collaborate with cross-functional teams. This role requires deep expertise in fraud prevention, advanced SQL skills, and experience with BI tools. RecargaPay offers a competitive salary, remote work flexibility, and comprehensive benefits, including health and dental plans, life insurance, and professional development opportunities. The company values diversity and inclusion, creating a welcoming environment for all employees. This is an opportunity to contribute to a rapidly growing fintech company and make a real difference in the Brazilian market.

Requirements

• Bachelor's degree in Administration, Economics, Engineering, Computer Science, Statistics or related fields
• Proven experience of 5 years in fraud prevention, specifically in the context of credit card issuers, banks or fintechs with payment products
• Deep knowledge of the various types of card fraud (CNP, CP, ATO, synthetic identity, friendly fraud, etc.), their mechanisms of operation and the associated attack vectors
• Advanced proficiency in SQL for extraction, manipulation and analysis of complex data from large datasets
• Solid experience with data visualization tools (Tableau, DataBricks or similar) for creating dashboards and analytical reports
• Practical knowledge and experience in configuring and optimizing rules in fraud prevention platforms (e.g., Cybersource Decision Manager, Feedzai, FICO Falcon, or equivalent proprietary solutions) and rule engines
• Solid understanding of the principles and applications of technologies such as 3D Secure (especially 3DS2), tokenization, and the fundamentals of Artificial Intelligence/Machine Learning applied to fraud detection
• Familiarity with the chargeback lifecycle, the rules of the main card brands (Visa, Mastercard) for dispute and fraud monitoring programs
• Knowledge of relevant financial and payment industry regulations (e.g., LGPD, BACEN regulations on cybersecurity and fraud prevention, KYC/AML)

Responsibilities

• Monitor transactions, accounts and fraud alerts in real time, conducting in-depth investigations into suspicious activities to determine their nature and impact
• Analyze large volumes of transactional and behavioral data using advanced SQL and BI tools (such as Tableau/DataBricks) to identify fraud trends, emerging vulnerabilities, and develop actionable insights to enhance defenses
• Develop, implement, test and continuously optimize fraud prevention rules in decision engines and specialized platforms, seeking the ideal balance between risk detection and customer experience
• Manage and optimize the performance of fraud prevention technologies, such as authentication systems (e.g., 3D Secure 2.0)
• Conduct detailed post-mortem analyses of significant fraud incidents to identify the root cause, procedural or technological failures, and recommend corrective and preventive improvements
• Manage the lifecycle of fraud-related chargebacks, including dispute analysis, preparation of documentation for representment and optimization of reversal rates in favor of the issuer
• Actively collaborate with internal Product, Engineering, Operational Risk, Compliance, Customer Service and Legal teams to align strategies, share fraud insights and contribute to the development of safer products and processes
• Maintain rigorous updates on the latest fraud typologies (including, but not limited to, CNP fraud, Account Takeover (ATO), synthetic identity fraud, phishing, malware and internal fraud), attack tactics, emerging prevention technologies and changes in industry regulations
• Prepare management reports, presentations and dashboards on fraud metrics, performance of implemented strategies, key KPIs and return on investment of prevention initiatives
• Actively participate in the evaluation, selection and implementation of new tools, technologies and suppliers of fraud prevention solutions

Preferred Qualifications

• Postgraduate degree or certifications in fraud prevention (e.g., CFE) will be a plus
• Excellent analytical skills, with the ability to interpret complex data, identify subtle patterns and solve problems in a structured and creative way
• Sharp critical thinking and meticulous attention to detail
• Ability to work under pressure in a dynamic environment, make quick data-driven decisions and manage multiple priorities
• Strong communication skills (verbal and written), with the ability to present complex technical information clearly, concisely and persuasively to different audiences, including senior management
• Proactivity, intellectual curiosity and a strong desire for continuous learning and self-development to keep up with the constant changes in the fraud landscape
• Proven ability to collaborate and work in a multidisciplinary team, building effective relationships with internal and external stakeholders
• Adaptability, resilience and ability to deal with ambiguities in an environment of constantly evolving threats
• Consistent reduction in the rate of financial losses due to fraud (Net Fraud Rate / Basis Points)
• Optimization of the fraud detection rate, with early identification of new patterns and attacks
• Minimization of the false positive rate, maintaining a high level of approval for legitimate transactions and preserving the customer experience
• Improvement in the success rate of representment of fraud-related chargebacks
• Successful development and implementation of new prevention strategies and rules with measurable impact
• Positive feedback from internal stakeholders on the quality of insights provided, collaboration and strategic support

Benefits

• Health and dental plans with no co-pay
• Life insurance
• Flexible meal allowance (via Flash)
• TotalPass membership to take care of your health
• Home office allowance through a monthly deposit in the RecargaPay app
• Spanish or Portuguese classes
• Competitive and market-aligned salary
• Remote work — wherever you are, you’re part of the team!