[Hiring] Merchant Acquiring Fraud Analyst @Finom

Role Description

We are looking for a highly motivated Fraud Analyst (Acquiring side) to join Finom Payments’ Second Line of Defence within the Financial Crime Risk Management Function. This role sits in the Fraud Risk Management team, reports directly to the Fraud Risk Manager, and focuses primarily on the Card Acquiring side of our fintech ecosystem.

In this role, you will be responsible for identifying, analyzing, and mitigating card acquiring fraud risks such as:

• Merchant abuse
• Bust-outs
• Transaction laundering
• Friendly fraud
• Chargeback spikes

As a Second Line defender, you will monitor, analyze, and challenge the effectiveness of first-line operational fraud controls. You will play a key role in building and continuously improving Finom Payments' fraud risk framework, ensuring fraud rates remain strictly within risk appetite without compromising platform growth or customer experience.

Qualifications

• English – full working proficiency
• 2+ years of experience in merchant risk, acquiring fraud strategy, or payment processor (PSP) risk management within a regulated financial institution or fintech platform.
• Experience with fraud prevention, fraud detection, fraud investigations, and fraud mitigations in the financial (Banking, PSP, FinTech) sector.
• Solid understanding of acquiring card fraud typologies (Merchant Bust-outs, Transaction Laundering, Card-testing among others), Visa/Mastercard monitoring programs (ECP/VAMP) and rules, and chargeback mechanics.
• Knowledge of the end-to-end payments ecosystem, across both issuing and acquiring rails.
• Experience working with fraud rules, scenarios, or ML-driven controls (end-to-end lifecycle preferred).
• Ability to analyse large datasets; experience with SQL and/or BI tools is a strong advantage.

Requirements

• Thinks like a risk partner, not a blocker.
• Is comfortable challenging assumptions and proposing pragmatic solutions.
• Can explain complex fraud risks in simple, business-friendly language.
• Communicates effectively with stakeholders across product, tech, and operations.

Benefits

• Make a genuine impact on the product.
• Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development.
• Work in the EU with flexibility of traveling and working remotely or in a hybrid model across Europe.
• Become a stock options holder through our Stock Options Program.
• Receive unwavering support and care, reflecting our commitment to your well-being and success.
• Participate in our exclusive Work & Swim Program, spending one month in a comfortable corporate apartment in Cyprus.

Interview Process

• Recruiter Interview
• Team Interview
• Test Task
• Final Interview

Equal Opportunity Statement

At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.