Chargeback and Fraud Monitoring Specialist

⚡️ paytech builds the technology behind modern payments. Our white-label payment gateway, payment orchestration platform, and growing suite of payment products help businesses launch, scale, and optimise their payment infrastructure. We’re looking for a Chargeback and Fraud Monitoring Specialist to monitor payment activity, investigate potentially fraudulent transactions, manage chargeback cases, and help reduce financial and compliance risks across our payment operations. 🧩 Key Responsibilities: - Monitor transactions and payment activity for suspicious behaviour, unusual patterns, and potential fraud - Review fraud alerts generated by PSPs, acquirers, fraud prevention tools, and internal monitoring systems - Investigate potentially fraudulent transactions using customer profiles, payment history, device data, IP addresses, card usage, and behavioural patterns - Identify fraud trends across traffic sources, markets, payment methods, BINs, issuers, and merchant accounts - Review individual chargeback cases and determine whether they should be accepted or disputed - Collect and prepare supporting evidence for chargeback representment, including transaction details, 3DS authentication results, customer communication, login history, terms acceptance, payment records, and service usage evidence - Submit chargeback responses within deadlines established by card schemes, acquirers, and PSPs - Monitor chargeback ratios, fraud-to-sales ratios, dispute rates, and other card-scheme risk indicators - Track Mastercard and Visa monitoring thresholds and help prevent entry into fraud or chargeback monitoring programmes - Investigate spikes in chargebacks or fraud and identify potential causes, including traffic quality, technical issues, misleading descriptors, recurring payment problems, and operational failures - Support the implementation and optimisation of fraud prevention rules, transaction limits, velocity checks, blacklists, whitelists, and risk-scoring criteria - Review existing fraud rules and recommend adjustments to reduce fraud without unnecessarily impacting approval and conversion rates - Work closely with Payments, Risk, Compliance, Customer Support, Finance, Product, and Technical teams - Communicate with PSPs, acquirers, fraud prevention providers, and other external partners regarding fraud alerts, chargebacks, evidence requirements, and risk recommendations - Prepare regular reports on chargebacks, fraud levels, dispute outcomes, recovery rates, trends, and emerging risks - Ensure investigations and dispute-handling activities follow internal procedures, card-scheme rules, regulatory requirements, and data-protection standards - Contribute to the continuous improvement of fraud monitoring, chargeback handling, and payment risk procedures 🗒 Requirements: Must-have: - Strong analytical and investigative skills - Ability to identify suspicious payment patterns and investigate transaction-level activity - Understanding of chargeback and dispute-handling processes - Ability to work with large volumes of payment and risk data - Excellent attention to detail and ability manage time-sensitive cases - Strong communication skills and confidence working with internal teams and external payment partners - Ability to balance fraud prevention with payment approval and conversion performance - Comfortable working in a fast-paced, high-volume payment environment 🎁 What We Offer: - Work equipment tailored to your needs: Mac, Windows, or Linux - Cozy Limassol office with coffee, snacks, drinks, PS5, and rooftop view - Private medical insurance after probation and additional benefits, including sport coverage - Partial lunch coverage - Full work-permit support