Chargeback and Fraud Monitoring Specialist

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: Fraud Monitoring & Investigation - Monitor transactions and payment activity for suspicious behaviour, review fraud alerts from PSPs, acquirers, fraud prevention tools, and internal systems, and investigate flagged cases using customer profiles, payment history, device and IP data, card usage, and behavioural patterns - Identify fraud trends across traffic sources, markets, payment methods, BINs, issuers, and merchant accounts, and investigate spikes in fraud or chargebacks to pinpoint root causes (traffic quality, technical issues, misleading descriptors, recurring payment problems) Chargeback Management - Review individual chargeback cases and decide whether to accept or dispute them - Collect supporting evidence for representment (3DS results, customer communication, login history, terms acceptance, payment and service records) and submit responses within card-scheme, acquirer, and PSP deadlines Risk Monitoring & Reporting - Track chargeback ratios, fraud-to-sales ratios, dispute rates, and Visa/Mastercard monitoring thresholds to help keep paytech out of scheme monitoring programmes - Prepare regular reports on chargebacks, fraud levels, dispute outcomes, recovery rates, and emerging risk trends Fraud Prevention - Review, implement, and continuously optimise fraud prevention rules, transaction limits, velocity checks, blacklists/whitelists, and risk-scoring criteria, balancing fraud reduction against approval and conversion rates Cross-functional & External Collaboration - Work closely with Payments, Risk, Compliance, Customer Support, Finance, Product, and Technical teams - Liaise with PSPs, acquirers, and fraud prevention providers on alerts, chargebacks, evidence requirements, and risk recommendations Compliance & Process - Ensure all investigations and dispute-handling follow internal procedures, card-scheme rules, regulatory requirements, and data-protection standards, and contribute to continuous improvement of fraud and chargeback processes 🗒 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 to 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