Job Description

Join a fast-growing European FinTech operating in the acquiring and payments space, with established hubs in the Baltics and Cyprus The client delivers payment processing solutions to merchants across multiple regions, combining agility with strong regulatory foundations.

As transaction volumes grow and scheme requirements tighten, the company is strengthening its risk and dispute capabilities. This role is critical in protecting the business from financial loss, ensuring compliance with Visa and Mastercard programs, and building scalable fraud prevention frameworks in a dynamic, high-risk environment.

🔍 Responsibilities:

• Manage the full chargeback lifecycle across Visa and Mastercard, from dispute intake to resolution and presentation;

• Monitor fraud and chargeback ratios at both merchant and portfolio levels, ensuring compliance with scheme thresholds (VFMP, VAMP, ECP, etc.);

• Analyse transaction data to identify fraud patterns, anomalies, and emerging risk trends;

• Design and implement fraud prevention strategies in collaboration with merchants and internal stakeholders;

• Configure and maintain fraud monitoring rules (velocity checks, geo-restrictions, transaction limits, MCC controls);

• Conduct ongoing transaction monitoring (real-time and post-settlement) to detect suspicious behaviors such as card testing, unusual refunds, or settlement inconsistencies;

• Lead merchant reviews and support corrective action plans when risk thresholds are exceeded;

• Coordinate remediation plans for merchants enrolled in scheme monitoring programs and track exit progress;

• Collaborate closely with AML and Risk teams on suspicious activity escalation and investigation;

• Develop internal reporting on fraud exposure, dispute trends, and portfolio performance;

• Drive process improvements, including automation of dispute workflows and enhancement of documentation standards.

🎓 Requirements:

• 2+ years of experience in chargebacks, fraud prevention, or acquiring risk within FinTech or payments;

• Strong understanding of Visa and Mastercard dispute processes and monitoring programs;

• Hands-on experience with fraud monitoring tools, transaction analysis, and rule configuration;

• Analytical mindset with the ability to detect patterns and translate data into actionable insights;

• Familiarity with AML, transaction monitoring, and risk escalation processes;

• Experience working with merchant portfolios in high-risk or cross-border environments is a strong advantage;

• Detail-oriented with strong organisational and reporting skills;

• Fluent English (written and spoken); additional languages are a plus.

✨ The Employer Offers:

• Opportunity to shape fraud and dispute frameworks in a scaling FinTech environment;

• Exposure to international acquiring operations and diverse merchant portfolios;

• Stable and growing business with expanding presence across Europe;

• Collaborative, fast-paced environment with direct impact on business outcomes;

• Modern office in central Riga;

• Professional development and learning opportunities within payments and risk;

• Competitive compensation aligned with market benchmarks.

If you’re ready to take ownership of fraud and dispute operations in a high-growth FinTech environment, let’s talk!