Junior Risk Specialist — Career changers welcome

Ratepay

Junior Risk Specialist at Ratepay analyzing transactions for fraud prevention and supporting stakeholders. Recognizing fraud patterns and improving processes in a hybrid work environment.

Posted 7/17/2026full-timeBerlin • 🇩🇪 GermanyJuniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates strong analytical thinking and attention to detail in fraud prevention and risk management. Proficient in communicating effectively in both German and English while collaborating with stakeholders to enhance fraud prevention processes.

Highest-signal resume keywords

Fraud PreventionRisk ManagementAnalytical ThinkingCustomer ServiceE-Commerce

ATS Keywords

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Applicant Tracking System Keywords

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Soft Skills

Attention to DetailClear CommunicationCollaborationMotivationWillingness to Learn

Industry Keywords

Digital Business ModelsFinTechFraud PatternsSuspicious ActivityVocational Training

About the role

Key responsibilities & impact

You review transactions from our partner merchants for potential fraud risks and assess suspicious activity with a trained eye for detail.
You identify new fraud patterns and trends and share your findings with the team.
You support internal and external stakeholders with questions related to fraud prevention.
You contribute ideas to improve processes and help continuously develop the way we work.
You learn the fundamentals of modern fraud prevention and progressively develop into a competent point of contact in the risk area.

Requirements

What you’ll need

You have completed vocational training, ideally in a commercial/business field.
You are interested in fraud prevention, digital business models, e‑commerce, or FinTech.
Initial exposure to fraud prevention, risk management, banking, customer service, or operations is a plus but not required.
Career changers are very welcome.
More important to us are your motivation, willingness to learn, and analytical thinking skills.
You work carefully, spot connections quickly, and keep an overview even with complex matters.
You communicate clearly and in a service‑oriented way and enjoy collaborating with others.
Shift work and occasional Saturday shifts are not a challenge for you (no night work).
You have very good German skills (at least C1) and good English skills.

Benefits

Comp & perks

A varied introduction to the exciting world of fraud prevention, risk analysis, and digital payments.
Structured onboarding and experienced colleagues who are happy to share their knowledge.
The opportunity to build long-term expertise in the risk area even without direct prior experience.
Professional and personal development and insight into related fields such as law enforcement and risk management.
Flexible, predictable shifts and up to 80% remote work.
A secure working environment with a great deal of trust, autonomy, and room for initiative.
A friendly team that supports each other and celebrates successes together.
Flat hierarchies, short decision-making paths, and the chance to bring in your own ideas.
Regular team and company events and diverse opportunities for knowledge exchange.
Individual solutions to help balance work, family, and private life.