Cappta

Analyst

• Secure Onboarding: Configure and optimize rules to mitigate risks during customer onboarding (KYC/KYP), using tools such as identity validation, device fingerprinting, and credit bureaus.
• Decision Engine Management: Create, tune, and monitor antifraud rules in platforms like ClearSale, Credify and internal systems.
• Transactional Fraud Monitoring: Detect suspicious patterns and act on alerts. Examples:
• - Batch purchases
• - Automated attacks (bots)
• - Account takeovers
• - Multiple transactions to the same beneficiary
• - Repeated card transactions from the same geolocation
• Monitoring of Suspicious Transactions (AML): Identify atypical behaviors (movements inconsistent with profile, smurfing, circularity of funds, etc.) and handle alerts.
• Chargeback Analysis: Monitor dispute rates, identify root causes (fraud, friendly fraud or operational error) and propose improvements and corrective actions.
• Conversion Optimization: Balance security and user experience, reducing false positives without increasing risk.
• Regulatory Reporting: Support the preparation of communications to COAF (Financial Intelligence Unit), when applicable.
• Regulatory Compliance: Ensure adherence to rules from the Central Bank of Brazil and internal policies.
• Conduct deep-dive analyses to identify vulnerabilities and new attack patterns.
• Propose improvements to flows, products and journeys to reduce risk.
• Collaborate with Product, Technology and Business teams to continuously evolve controls.
• Monitor key indicators (KPIs) such as fraud attempts, approvals, false positives and alerts.

Fraud Prevention Analyst