Senior Card Fraud Investigator

Summary

Join Mercury's Card Fraud team as a Senior Risk Investigator and help protect our cardholders from unauthorized activity. You will perform high-quality reviews of transaction monitoring alerts, create loss mitigation rules, and identify fraud trends. Deep understanding of customer card usage is crucial to shaping policies, processes, and tools supporting the Card Fraud program. Responsibilities include reviewing and acting on fraud alerts, writing and tuning card decline rules, collaborating with other teams, and communicating with customers. You will also work on process and tooling enhancements to maximize efficiency. The ideal candidate has 4+ years of experience in card fraud mitigation within a FinTech environment and familiarity with MasterCard Fraud Center or similar tools. Strong problem-solving skills and SQL proficiency are also essential.

Requirements

• 4+ years of experience monitoring and mitigating card fraud in a high-paced, FinTech environment
• Familiarity with MasterCard Fraud Center or similar fraud management tools such as Accertify, Falcon, etc
• Being a highly motivated self-starter who is comfortable working within a high stakes environment under minimal supervision
• The ability to modify SQL queries to leverage internal data for deeper investigations, or write your own!
• Loving problem solving and making product and processes more efficient

Responsibilities

• Review and action card fraud alerts in MasterCard Fraud Center and our internal transaction monitoring queue
• Write new or tune existing card decline/monitoring rules directly in MasterCard Fraud Center, and backtest rules to assess customer friction tradeoffs
• Collaborate with the Disputes team to understand and respond to new fraud trends that emerge from customer-reported unauthorized transactions
• Send outbound customer communications to notify customers about potentially suspicious/unauthorized transactions
• Work with the Customer Support team to resolve customer inquiries related to card declines due to risk rules
• Directly collaborate with Risk Strategy, Risk Product, Risk Engineering to help build foundational elements of Mercury’s Card Fraud program
• Write clear documentation on current processes, and drive process and tooling enhancements to maximize efficiency

Preferred Qualifications

Comfort working flexible hours to support business critical situations on an as-needed basis

Benefits

• Base salary
• Equity (stock options)
• Benefits