Card Risk Operations Lead

Monitor real-time and post-transaction card activity (CNP, card-present, ATM, tokenised wallets) and act on fraud alerts within SLA.

Investigate suspicious accounts and transactions: account takeover, card testing, BIN attacks, merchant collusion, friendly fraud and first-party abuse.

Make block, decline, step-up and card-lifecycle decisions; escalate linked AML/sanctions concerns to Compliance.

Manage disputes and chargebacks end to end under Visa/Mastercard rules: evidence, representment, pre-arbitration and arbitration.

Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes and chargeback timelines.

Practical experience with card fraud typologies and controls: 3DS/SCA, velocity rules, device and behavioural signals, tokenisation.

Working experience with fraud and case-management tools (e.g. Featurespace, Sardine, SEON, Feedzai or in-house) and an issuer-processor dashboard.

SQL and Excel/Sheets to pull, slice and explain fraud trends.