Job Summary: PagBank is seeking a professional to prevent and detect fraud by developing and implementing anti-fraud strategies and models, with a focus on simplifying people's financial lives and driving business growth. Key Highlights: 1. Prevent and detect fraud in financial transactions 2. Develop and evolve anti-fraud strategies through analysis and modeling 3. Work with cutting-edge technologies in an innovative team When you think about your career, what comes to mind? Purpose? Collaboration? Being the protagonist who makes a difference? At PagBank, we offer all this—and much more. We’re looking for people who proudly wear our jersey—individuals eager to simplify people’s financial lives and drive business growth! Ready for a career that delivers greater returns? **Check out this opportunity and \#JoinPagBank!** **Responsibilities and Duties** * Configure anti-fraud decision policies and rules (e.g., CRIVO) to prevent and detect fraud in financial transactions and operations. * Develop, implement, and evolve fraud prevention strategies using statistical analysis, predictive modeling, and behavioral data to identify suspicious activities. * Build, train, validate, and monitor statistical and machine learning models applied to fraud detection, using supervised and unsupervised techniques such as decision trees, gradient boosting, clustering, and outlier detection. * Continuously evaluate the performance of anti-fraud policies, rules, and models using metrics including Hit Rate, Detection Rate, AUC/ROC, Precision/Recall, Confusion Matrix, KS, and PSI. * Develop and calibrate rules in anti-fraud engines using statistical analysis, historical data, and predictive models. * Continuously monitor financial transactions—including PIX, TED, P2P, bank slips, withdrawals, and other operations—to identify suspicious patterns. * Conduct exploratory, diagnostic, and investigative analyses to identify fraudster behavior patterns, operational deviations, and emerging fraud vectors. * Implement controlled experiments (A/B tests) to assess the impact of new rules, models, or adjustments to decision workflows. * Design and enhance analytical pipelines and datasets supporting strategic decisions in fraud prevention. * Propose new indicators, controls, dashboards, and process improvements using data visualization tools. * Translate business needs into technical requirements, collaborating closely with Technology, Product, Compliance, Customer Support, and commercial teams. * Map risks associated with new operations, products, or integrations, partnering with responsible teams to ensure proper alignment of risk strategies and tools. * Identify vulnerabilities in internal processes and propose evidence-based mitigation actions. * Prepare executive reports and strategic analyses with insights and recommendations to support decision-making. * Support or interact with manual review desks, anti-fraud policies, and portfolio management. * Develop and update operational procedures and controls related to fraud prevention. * Implement and monitor controls to mitigate risks in individual (PF) and corporate (PJ) customer accounts. **Requirements and Qualifications** * Bachelor’s degree in Computer Science, Engineering, Statistics, Economics, Mathematics, Information Systems, or related fields. * Proven experience in fraud prevention and detection, preferably within financial institutions, fintechs, or technology companies. * Substantial experience in fraud prevention and detection, including online fraud, identity fraud, money laundering, and other fraudulent activities. * Strong background in data analysis, statistical modeling, data mining, and machine learning applied to risk and fraud prevention. * Experience developing and implementing rules in anti-fraud engines and transaction monitoring systems. * Hands-on experience handling large volumes of data—including data processing, extraction, modeling, and interpretation of complex patterns. * Proficiency in SQL for data manipulation and analysis. * Knowledge of programming languages for data analysis—preferably Python, R, or Spark. * Experience using data visualization tools such as Tableau, Power BI, Looker, or similar. * Strong problem-solving skills, logical reasoning, and investigative data analysis capabilities. * Experience evaluating and managing risks related to fraudulent activities—including implementation of internal controls and anti-fraud policies. * Experience performing detailed data analysis to identify trends, patterns, and anomalies that may indicate fraudulent activity. * Advanced Microsoft Office suite proficiency. * Intermediate English proficiency. * Self-motivated, proactive, collaborative profile with strong prioritization ability. **Additional Information** **To stand out in this role, the following will be considered advantageous:** * Experience applying anti-fraud methodologies to financial or digital products. * Experience operating in highly complex environments with high volumes of automated decisions. * Knowledge of advanced machine learning frameworks such as Scikit\-learn, XGBoost, LightGBM, or PySpark. * Experience in data mining, machine learning, and pattern analysis applied to fraud prevention. * Familiarity with MLOps and practices for deploying and monitoring models in production. * Experience developing and implementing risk mitigation strategies while balancing security and customer experience. * Knowledge of regulations related to fraud prevention in the financial sector. * Experience in environments with high volumes of financial transactions and real-time anti-fraud monitoring. You might know us from our card machines or memorable commercials—but we’re much more than that! Every day, we develop products and solutions inspired by our purpose: simplifying people’s and businesses’ financial lives. We work to transform how people manage money—opening new possibilities to help them achieve their dreams. **How do we do it?** **With People** We’re a team that plays together! Here, we value all forms of diversity—race/ethnicity, gender, age, origin, persons with disabilities, sexual orientation, family composition, and aesthetics. **With Technology** Our disruptive and innovative spirit is in our DNA: we’re part of UOL Group, a 100% Brazilian company that pioneered the internet in Brazil and has been transforming people’s lives since 1996\. **With One Culture** We have a strong, unique culture that drives us beyond limits—fueling continued growth and business sustainability. **We are one of the largest digital banks in the country and one of the most profitable fintechs in the segment.** **To experience all this, you’ll enjoy a comprehensive benefits package that truly makes a difference:** * Meal allowance and/or food voucher. * Health and dental insurance. * Life insurance. * Partnerships with TotalPass and ZenKlub. * Extended maternity and paternity leave. * Childcare allowance. * Discounts of up to 50% on postgraduate programs and MBAs from top institutions such as FIA, FAAP, and PUCRS. **And more:** * No dress code: wear whatever makes you feel comfortable. * \#HappyBirthday: A day off on your birthday. * Baby Gift: A gift for newborns. **Ready for a career that delivers greater returns?** Join our unbeatable team! **\#JoinPagBank.**
João Silva
Indeed · HR
João Silva
Indeed · HR
