Fraud Intelligence and Prevention Specialist

Description

Job Summary: The Fraud Intelligence and Prevention Specialist will ensure the security of the fintech's operations through the strategic application of anti-fraud intelligence, identifying and neutralizing risks. Key Highlights: 1. Identify, anticipate, and neutralize fraud risks 2. Connect analytical intelligence with the company's strategic objectives 3. Minimize financial losses associated with fraud **Description** Mission: Ensure the security and integrity of the fintech's operations through the strategic application of anti-fraud intelligence, with a focus on our credit granting model. This position's mission is to **identify, anticipate, and neutralize fraud risks based on behavioral patterns, analytical data, and in-depth knowledge of our operational segment**. Leveraging technical expertise and business acumen, this role is responsible for implementing and enhancing rules, mechanisms, and processes that ensure transaction reliability and customer experience without compromising operational efficiency. The role requires critical thinking, proactive engagement, and the ability to translate signals and data into practical prevention actions, **connecting analytical intelligence with the company's strategic objectives**, thereby contributing to the sustainable growth of operations. **Responsibilities and Duties** **Key Results and Deliverables – Fraud Intelligence and Prevention Specialist** **1\. Strategic (business contribution)** **Sustainable reduction of fraud rate** (e.g., chargebacks, self-fraud delinquency, first- and third-party fraud). **Balance between security and conversion**: increased approval rate while maintaining or reducing fraud rate. **Strategic insights for product, credit, and compliance teams**, based on behavioral and risk data. **Minimization of financial losses associated with fraud**, directly impacting operating margin. **2\. Tactical (ongoing control and evolution)** **Implementation and continuous improvement of anti-fraud rules**, including effectiveness evaluation. **Creation and maintenance of real-time monitoring dashboards** with alerts for suspicious behavior. **Generation of periodic reports analyzing fraud incidents, trends, and actionable recommendations.** **Ongoing review of risk profiles and customer segmentation**, with structured feedback provided to product and credit teams. **3\. Operational (execution and support)** **Investigation of suspicious cases with structured documentation** (timeline, evidence, root cause, actions taken). **Reduced and traceable average response time to incidents.** **Updating rule sets and risk profiles based on learnings from real-world cases.** **Effective collaboration with customer support, collections, product, and technology teams to rapidly address vulnerabilities.** **Requirements and Qualifications** **Technical Competencies** **1\. Data Analysis and Risk Modeling** Ability to identify behavioral patterns and fraud indicators using data. Proficiency in SQL, Python, R, or similar tools for robust analysis. **2\. Anti-Fraud Rule Management and Parameterization** Experience in defining, testing, and optimizing anti-fraud rules within decision engines. Monitoring of KPIs such as FPR (false positive rate), FNR (false negative rate), and approval rate. **3\. Knowledge of Digital Fraud** Deep understanding of major digital fraud types in the context of digital credit. Experience with anti-fraud tools (e.g., ClearSale, Konduto, Idwall). **4\. Credit Lifecycle Expertise** End-to-end understanding of the credit journey (onboarding, assessment, disbursement, repayment). Specific knowledge of risks related to credit granting. **5\. Visualization and Monitoring** Ability to build and maintain operational dashboards for real-time monitoring. Proficiency in BI tools (e.g., Power BI, Tableau, Looker).