Fraud Prevention Manager

Description

At Bemobi, we value the innovative spirit and collaborate to help people unleash their best, and together, we identify affinities and opportunities. If you are looking for development, challenges, and a great work environment, you are in the right place! We are looking for a person to act as a Fraud Prevention Manager, with the challenge of strengthening the transactional fraud prevention strategy in Bemobi's payment operations, focusing on cards, wallets, Pix, recurring payments, chargebacks, and transactional risk in a sub-acquiring and payment gateway environment. This position will have a technical, analytical, and strategic scope, focusing on reducing losses, controlling chargebacks and disputes, improving the approval rate, and supporting risk decisions by customer, channel, product, and payment method. This is not a technology position. It is an operational risk and transactional prevention position, with a strong analytical component, knowledge of the payment ecosystem, and the ability to interact with Product, Technology, Operations, acquirers, card brands, anti-fraud providers, and other participants in the payment arrangement. The person may also support discussions related to LATAM markets, especially Mexico, contributing with analyses on transactional behavior, payment methods, local partners, and fraud patterns in different markets. **\#BeABemober** **Responsibilities and attributes** **Responsibilities and attributes:** * Define, review, and evolve the transactional fraud prevention strategy for the Brazil operation, considering cards, Pix, recurring payments, and digital channels; * Manage rules, scores, lists, anti-fraud parameters, and decision strategies, monitoring the balance between fraud, false positives, approval, and financial impact; * Monitor fraud, chargeback, dispute, avoided losses, approval rate, false positive, and behavior indicators by customer, channel, MCC, product, and payment method; * Act in the chargeback cycle, including index monitoring, root cause analysis, preventive actions, alerts, and prevention tools; * Monitor card brand monitoring programs, such as Visa VAMP, Mastercard ECP, and other applicable programs, evaluating fine risks, MID contamination, and impacts on sub-acquiring; * Monitor the transactional behavior of the portfolio to identify anomalies, merchant fraud, transaction laundering, bust-out, self-fraud, and misuse of the operation; * Support decisions on limits, blocks, reserves, customer review, de-credentialing, or operational adjustments in conjunction with the responsible areas; * Handle specific Pix frauds, including social engineering, self-fraud, disputes via MED, and operational abuse patterns; * Specify automation, data, integration, reporting, and systemic improvement needs with the Product, Technology, and Data teams; * Maintain a product-operational relationship with acquirers, card brands, anti-fraud providers, and payment partners on transactional risk topics; * Support the construction of governance, rituals, indicators, and executive materials on fraud prevention; * Support, when necessary, analyses and discussions related to LATAM markets, especially Mexico, considering transactional behavior, local payment methods, acquirers, gateways, banks, card brands, processors, switches, data bureaus, and local fraud patterns. **Requirements and qualifications** **Requirements and qualifications** * Solid experience in fraud prevention in acquirer, sub-acquirer, gateway, PSP, fintech, bank, issuer, or relevant digital payments operation; * Practical knowledge of cards, Pix, chargebacks, disputes, anti-fraud, transactional rules, and risk indicators; * Experience with anti-fraud tools, decision engines, bureaus, scores, lists, custom rules, or proprietary solutions; * Knowledge of the chargeback cycle and the operational and financial impacts for sub-acquiring, gateway, or digital payments operations; * Experience in managing the balance between fraud, false positives, approval, user experience, and financial impact; * Strong analytical capability, with mastery of advanced spreadsheets, indicators, and transactional data analysis; * Ability to translate fraud problems into practical actions, prioritized by financial impact, risk, and effort; * Good communication with technical, operational, commercial, regulatory, and external supplier areas; * Ability to act as a technical reference in fraud prevention, supporting decisions, analyses, rituals, governance, and mitigation plans. **Differentiators** * Experience with recurring payments, utilities, telecom, education, insurance, or high transactional volume segments; * Knowledge of card brand programs, chargeback monitoring, and dispute prevention tools; * Experience with SQL, BI, or dashboard construction; * Experience in sub-acquiring, split, multiple establishments, multiple MCCs, gateway, or white label operations; * Knowledge of LATAM markets, including transactional behavior, local payment methods, acquirers, gateways, banks, card brands, processors, switches, and data bureaus; * Intermediate or advanced Spanish; * Experience with PLD/AML and knowledge of BACEN regulations. **Additional information** **WHAT YOU WILL FIND HERE!** **Bradesco National Network Health Plan \- extended to dependents without a discount per beneficiary;** **Bradesco Plan \- optional;** **Flexible VR/VA \- maintained during vacations;** **PLR \- profit sharing;** **Wellhub;** **Birthday day off;** **Home Office Allowance;** **VT as needed \- discount allowed by law;** **Zurich Life Insurance;** **Free access to all our products \- AppsClub, Clube de Descontos, TrueCaller, BTFit, and Busuu;** **Access to internal training through digital platforms;** **Internal recognition program among employees \- Bemobucks.** We believe that **transforming payments into a competitive advantage** starts with how we work. It is what allows us to generate impact for our customers, evolve continuously, and build solutions that make a difference for the business. We are a **multicultural and multidisciplinary technology team**, present in different countries. We share the curiosity to face challenges, the collaboration to build together, and the sense of ownership to deliver with excellence. We value an environment where different perspectives strengthen decisions, learning is continuous, and the journey is enjoyed without losing sight of what really matters: **generating value.** With **sector intelligence and local expertise**, we build the **AI-native** payment infrastructure of essential services and lead the era of agentic payments. With more than R$ 14 billion in payments processed per year and 1\.600 customers, we are present in more than 60 countries and are **certified by GPTW (Great Place to Work) as an excellent place to work since 2015\.** Come be part of our team. **Be yourself, \#SejaBemober**