Merchant Acquiring Fraud Analyst (2nd LoD)

Finom is a rapidly growing European fintech startup on a mission to revolutionize financial management for entrepreneurs. We are seeking a dedicated Merchant Acquiring Fraud Analyst to join our Second Line of Defence team, helping us build a secure and efficient financial ecosystem across Europe.

Key responsibilities

• Analyze internal data and external trends to identify and mitigate emerging fraud risks related to card acquiring.
• Develop and maintain an acquiring fraud typology library, ensuring alignment with scheme rules and risk appetite.
• Collaborate with product, engineering, and machine learning teams to translate fraud scenarios into effective rules and controls.
• Act as a Second Line challenger by providing independent oversight of fraud risk decisions made by the First Line.
• Support compliance with Visa and Mastercard monitoring programs and assist in drafting internal fraud prevention policies.

Requirements

• At least 2 years of experience in merchant risk, acquiring fraud strategy, or payment processor risk management.
• Solid understanding of acquiring card fraud typologies, chargeback mechanics, and card scheme monitoring programs.
• Proven experience working with fraud rules, scenarios, or machine learning-driven controls.
• Strong analytical skills with the ability to interpret large datasets; proficiency in SQL or BI tools is a significant advantage.
• Full professional proficiency in English and the ability to communicate complex risks to diverse stakeholders.

What we offer

• The opportunity to make a genuine impact on a rapidly evolving, high-growth financial product.
• Participation in our Stock Options Program, allowing you to share in the company's success.
• Access to continuous personal and professional development resources.
• Participation in our unique Work & Swim program, offering a month of remote work in Cyprus.
• A supportive, modern, and inclusive corporate culture that values diversity and employee well-being.