Chargeback and Fraud Monitoring Specialist

paytech builds the technology behind modern payments. Our white-label payment gateway, payment orchestration platform, and growing suite of payment products help businesses launch, scale, and optimise their payment infrastructure.

We’re looking for a Chargeback and Fraud Monitoring Specialist to monitor payment activity, investigate potentially fraudulent transactions, manage chargeback cases, and help reduce financial and compliance risks across our payment operations.

Key Responsibilities:

• Monitor payment activity for suspicious behaviour, unusual patterns, and potential fraud;

• Review and investigate fraud alerts from PSPs, acquirers, fraud prevention tools, and internal systems;

• Analyse customer profiles, payment history, device data, IP addresses, card usage, and behavioural patterns;

• Identify fraud trends across traffic sources, markets, payment methods, BINs, issuers, and merchant accounts;

• Review chargeback cases and determine whether to accept or dispute them;

• Prepare supporting evidence for chargeback representment and submit responses within required deadlines;

• Monitor chargeback ratios, fraud-to-sales ratios, dispute rates, recovery rates, and card-scheme risk indicators;

• Track Visa and Mastercard monitoring thresholds and help prevent entry into fraud or chargeback monitoring programmes;

• Investigate spikes in fraud and chargebacks and identify potential root causes;

• Support and optimise fraud prevention rules, transaction limits, velocity checks, blacklists, whitelists, and risk-scoring criteria;

• Work closely with Payments, Risk, Compliance, Support, Finance, Product, Technical teams, PSPs, and acquirers;

• Prepare regular fraud and chargeback reporting and contribute to continuous improvement of payment risk procedures.

Requirements:

• Strong analytical and investigative skills;

• Good understanding of chargebacks, disputes, fraud monitoring, and payment risk;

• Ability to analyse transaction-level payment data and identify suspicious patterns;

• Understanding of payment flows, PSPs, acquirers, BINs, issuers, card schemes, and 3DS authentication;

• Strong attention to detail and ability to manage time-sensitive cases and deadlines;

• Ability to distinguish between fraud, technical issues, issuer declines, and customer-side problems;

• Strong communication skills and ability to work with internal teams and external payment partners;

• Ability to balance fraud prevention with approval and conversion performance.

Preferred Qualifications:

• Experience in payments, payment gateways, acquiring, or fintech;

• Familiarity with chargeback and fraud detection rules, risk algorithms, velocity checks, and risk scoring.