Fraud Prevention Specialist

Description

At Lastlink, we are looking for people who want to build the future with us. We are driven by **technology, community, and real impact**, and we believe our biggest differentiator is **people**. ### **About the Area** At Lastlink, the **\[area name]** team is responsible for **\[main mission of the area]**, being a key piece for **\[impact or contribution of the area to the business, customer, or product]**. ### **What we expect from you:** In your day-to-day, you will: * Develop and improve fraud prevention strategies, focusing on reducing financial losses and protecting the platform ecosystem; * Monitor transactions, accounts, and suspicious behaviors, identifying patterns, trends, and new fraud modalities; * Create, implement, review, and optimize risk rules, alerts, velocity parameters, and decision engines; * Investigate fraud related to cards, Pix, chargebacks, refunds, fake accounts, account takeovers, and unauthorized appropriation of balances; * Identify fraud and abuse, artificial traffic, and simulated sales. * Prevent abuses related to refunds, cancellations, and unauthorized sharing of digital content; * Lead incident investigations, identifying root cause, exploited vulnerabilities, financial impact, and corrective actions; * Define risk criteria for buyers, producers, affiliates, devices, payment methods, accounts, and transactions; * Evaluate the effectiveness of anti-fraud strategies, aiming to reduce false positives without compromising the security and experience of legitimate users; * Monitor chargebacks, disputes, dispute representations, and monitoring programs of card brands and acquirers; * Build and monitor indicators of fraud, risk, approval, financial losses, and efficiency of implemented strategies; * Work together with the Payments, Product, Technology, Data, Compliance, Operations, Customer Service, and Finance areas; * Prepare reports and executive analyses on losses, emerging risks, vulnerabilities, and results of prevention initiatives; * Act in the prevention of registration fraud, including onboarding, KYC (Know Your Customer), identity validation, and release of accounts/digital wallets. ### **To take on this role, you will need:** **Experiences:** * Solid experience in fraud prevention, transactional risk, and payment security in fintechs, banks, acquirers, sub-acquirers, marketplaces, or digital platforms; * Experience in registration fraud prevention, including onboarding, KYC (Know Your Customer), identity validation, and release of accounts/digital wallets. * Experience in the prevention and investigation of fraud involving cards, Pix, chargebacks, refunds, digital accounts, and e-commerce; * Creation, implementation, management, and optimization of risk rules, decision engines, and anti-fraud strategies; * Experience in leading complex investigations, incident analysis, root cause identification, and financial impact measurement; * Experience in handling chargebacks, disputes, and dispute representations with acquirers, sub-acquirers, and card brands; * Building and monitoring indicators of fraud, risk, financial losses, approval, and false positives; * Prevention of fake accounts, account takeovers, credential theft, and attempts at unauthorized appropriation of balances; **Hard Skills:** * Knowledge of chargeback processes, dispute representations, and monitoring programs of card brands and acquirers. * Ability to analyze indicators such as fraud rate, chargeback, approval, false positives, financial losses, and value recovery. * Advanced proficiency in Excel or Google Sheets. * Ability to use Artificial Intelligence tools, including generative AI, to support investigations, pattern analysis, anomaly identification, routine automation, risk rule creation, and insight generation. * Knowledge of SQL for queries, cross-referencing information, and analyzing large volumes of data. * Ability to create dashboards, management reports, and executive presentations. * Knowledge of Business Intelligence tools, statistical modeling, or machine learning will be considered a plus. * Knowledge of KYC processes, digital onboarding, document and registration validation, and criteria for releasing accounts and wallets based on risk level. **Soft Skills:** * Analytical, investigative profile, and oriented towards problem-solving. * Critical thinking and decision-making based on data and risk assessment. * Systemic view to understand the impact of fraud on payments, products, technology, customer service, and customer experience. * Results-oriented, especially for reducing financial losses. * Proactivity in identifying risks and proposing improvements. * Sense of urgency for acting in critical incidents and coordinated attacks. * Organization and discipline in documenting analyses, decisions, and procedures. * Clear and objective communication with technical, operational, and executive areas. * Ease of working in a multidisciplinary manner with various teams * Ability to influence decisions and defend technical recommendations. * Willingness to act as a technical reference and support the development of other professionals in the area. **Academic Background:** * Completed higher education in Administration, Economics, Engineering, Statistics, Data Science, Technology, Information Security, or related fields. ### **✨ What we also value:** Our job openings are for anyone, without distinction of gender, ethnicity, sexual orientation, or disability. If you identify with our purpose and want to grow with us, **come be a Linker!**