The Payments Risk Specialist will develop, implement, and oversee the risk management framework for all card payment operations. Responsibilities include creating risk strategies, policies, and controls for card payments, conducting risk assessments, mitigating fraud and compliance risks, ensuring adherence to card scheme rules and regulations (PSD2, GDPR, PCI DSS), managing incidents, and collaborating with internal teams and external partners. Requirements include a bachelor's degree (master's preferred), extensive experience in card payment risk management, knowledge of Visa, Mastercard, Amex rules, fraud prevention, and proficiency in data analysis tools such as SQL and BI tools. The role offers hybrid remote work and is based in Barcelona, Spain.
What you'll do
Develop and maintain a comprehensive risk management strategy and framework for card payments aligned with company risk appetite and regulatory requirements
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Define and implement risk policies, procedures, and controls across the card payment lifecycle including onboarding, transaction processing, chargebacks, and fraud management
Establish key risk indicators (KRIs) and metrics to monitor and report on risk mitigation effectiveness
Conduct regular risk assessments to identify vulnerabilities and threats related to card payments including fraud, operational errors, compliance breaches, and reputational risks
Develop and implement risk mitigation strategies and controls and ensure their adoption and effectiveness
Evaluate risk implications of new card payment products, features, and integrations and provide recommendations
Lead development and implementation of advanced fraud and friendly fraud detection and prevention strategies leveraging data analytics, machine learning, and industry best practices
Monitor fraud trends and patterns and adapt strategies and rules to address emerging threats
Manage relationships with fraud prevention vendors and evaluate effectiveness of their solutions
Ensure compliance with card scheme rules (Visa, Mastercard), industry standards (PCI DSS), and regulatory requirements (PSD2, GDPR)
Stay updated on regulatory and scheme rule changes and implement necessary policy adjustments
Manage audits and assessments related to card payment risk and compliance
Develop and maintain incident response plans for card payment security breaches and fraud incidents
Lead investigation and resolution of security incidents ensuring timely containment, eradication, and recovery
Prepare and present regular reports on card payment risk metrics, fraud trends, and compliance status
Communicate risk-related information clearly to technical and non-technical audiences
Build and maintain strong relationships with external partners including card schemes, payment processors, and regulatory bodies
Requirements
Bachelor's degree in Finance, Business Administration, Computer Science, Information Security, or a related field
Master's degree preferred
Extensive experience in risk management within the card payments industry
Strong focus on fraud prevention and compliance
In-depth knowledge of card scheme rules (Visa, Mastercard, Amex), PCI DSS standards, and relevant regulatory frameworks (PSD2, GDPR)
Proven experience in developing and implementing risk management frameworks, policies, and procedures for card payments
Strong analytical and problem-solving skills
Ability to interpret complex data and identify patterns and trends
Proficiency in data analysis tools (SQL, Excel, BI tools)
Experience with fraud detection and prevention technologies
Excellent communication, presentation, and interpersonal skills
Ability to influence and collaborate effectively across different teams and levels
Ability to work independently, manage multiple priorities, and thrive in a fast-paced and dynamic environment
Private health care insuranceFlexitime and Summer ScheduleYour Birthday off as a paid holidayFlexible compensation plan: travel, meals & childcareSubsidized CateringSpanish, English, and Portuguese language lessonsAdditional internal and external trainings through EXOGROUP University programAccess to quality trainings through Udemy platformTraining budget & study leaveSubsidised GymCalm App subscriptionEmployee referral program - Earn 2500 Euros by referring someoneMonday team breakfastDaily organic fruitFree weekly yoga classesHybrid remote work
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