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 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.