Card Fraud Analyst
Duplo USA Corporation
full-time
Posted on:
Location Type: Hybrid
Location: Lagos • Nigeria
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About the role
- Safeguard customers against unauthorised card activity, scams, and payment instrument or account takeover fraud.
- Analyse card fraud disputes and emerging trends to identify weaknesses or opportunities within existing fraud prevention rules.
- Review and enhance fraud controls across authorisation, post-authorisation, and tokenisation flows.
- Incorporate card scheme indicators and internal machine learning signals into static fraud rules to improve accuracy and effectiveness.
- Contribute to longer-term initiatives aimed at reducing card fraud and improving overall risk posture.
- Partner closely with Product and Engineering teams to evolve the rule engine and improve the end-to-end fraud customer journey, from declines and alerts through to dispute submission.
- Act as an escalation point for card fraud prevention topics for customer-facing Operations teams.
- Independently manage and prioritise competing workflows, including team initiatives and external escalations, delivering high-quality outcomes within agreed timelines.
- Assess and articulate the impact of fraud rules on customer spend, approval rates, and user experience.
- Produce clear, high-quality analysis that directly addresses business and risk problems.
- Navigate complex problem spaces and understand the trade-offs involved in fraud decision-making.
- Proactively propose and develop strategies to mitigate emerging fraud patterns or large-scale fraud events.
- Write, test, and maintain analytical code independently and collaboratively, ensuring it is readable, reusable, and well-documented.
- Test and validate fraud rule logic autonomously, and troubleshoot issues related to code, data, or risk engine behaviour.
- Continuously learn and apply new analytical tools, techniques, and methodologies.
- Clearly explain analyses, decisions, and recommendations to teammates and immediate stakeholders.
- Present fraud trends, insights, and learnings in a concise and structured manner.
- Support and collaborate with peers, sharing knowledge and best practices where needed.
- Provide timely data, insights, and analysis to support fraud incidents and investigations.
- Escalate risks that fall outside the Card Fraud remit or risk appetite to relevant internal or external stakeholders.
Requirements
- 4–5 years of experience in fraud prevention, risk management, or payments risk, with a strong focus on card fraud.
- Solid understanding of card payment flows, including authorisation, post-authorisation, chargebacks e.t.c
- Detailed understanding of the operational aspects of payment cards, mobile payments, the fintech and banking industry.
- Strong problem-solving skills, with the ability to work independently in ambiguous or fast-paced environments.
- Excellent written and verbal communication skills.
- Solid understanding of payment gateways, acquiring banks, and merchant processors, including knowledge of network-specific chargeback procedures (Visa, Mastercard, etc.).
Benefits
- health insurance
- retirement plans
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
fraud preventionrisk managementanalytical codedata analysispayment flowschargebacksfraud rule logicmachine learningtokenisationproblem-solving
Soft skills
communicationindependent workcollaborationprioritizationclear explanationproactive strategy developmenthigh-quality outcomesnavigating ambiguitystructured presentationknowledge sharing