Cappta

Fraud Prevention Analyst

Cappta

full-time

Posted on:

Location Type: Remote

Location: Brazil

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Tech Stack

PythonSQL

About the role

  • 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.

Requirements

  • Payment Methods:
  • Domain knowledge of card processing flows (authorization, capture, settlement) and digital payment methods (Pix, boleto), including analysis of failures and risks in each process.
  • Fraud Prevention:
  • Practical experience with decision engines, rule creation and tuning, and transactional analysis.
  • AML/CTF:
  • Experience with KYC/KYB processes, transactional monitoring and identification of money laundering typologies.
  • Bureaus and Data:
  • Use of credit bureaus (Procob, Assertiva or similar) for risk assessment and decision-making.
  • Regulatory:
  • Knowledge of Central Bank of Brazil regulations and their application in day-to-day operations.
  • Experience implementing or tuning antifraud engines.
  • Experience in financial institutions, fintechs or acquirers.
  • Experience with AML/CTF frameworks.
  • Experience with graph analysis or transaction network analysis to detect suspicious patterns.
  • Analytical Languages: Python and SQL.
  • Ability to manipulate and analyze data, interpret metrics and generate insights (knowledge of SQL and Python desirable).
  • Experience using AI tools for data analysis, pattern identification and decision support, as well as automation of operational routines.
Benefits
  • Remote work (Home Office);
  • Home office allowance;
  • Meal/food voucher (Pluxee);
  • Medical and dental plans (SulAmérica);
  • Digital hospital services (Conexa);
  • Life insurance (Prudential);
  • Childcare assistance for children under five (5) years old;
  • Wellhub (Gympass);
  • Partnerships with Open English and ESALQ;
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
KYCKYPfraud preventiontransactional analysisdecision enginesrule creationrule tuninggraph analysisPythonSQL
Soft Skills
analytical skillscollaborationproblem-solvingcommunication