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About the Role

We are seeking a Fraud Risk Analyst, Card Payment to protect our card issuing business by identifying, analyzing, and intercepting fraudulent card transactions in real time. You will sit on the issuer side of the payments ecosystem, working at the intersection of transaction monitoring, rule strategy, and fraud investigation to minimize losses while preserving a smooth experience for legitimate cardholders.

Responsibilities

Monitor card authorization flows and flag suspicious activity across debit/credit card portfolios.
Design, test, tune, and deploy fraud detection rules and risk scoring strategies at the authorization decision point, balancing fraud capture rate against false-positive/decline rates.
Investigate suspected fraud cases, determine root cause, and take action (block, step-up, decline).
Track fraud losses, chargeback rates, approval rates, and key risk KPIs; produce dashboards and reporting for management.
Work with dispute/chargeback teams on fraud-related chargebacks and network reason codes.
Partner with product, engineering, data science, and compliance to improve fraud models, tooling, and controls.
Stay ahead of evolving fraud typologies, BIN attacks, enumeration/testing attacks, and organized fraud rings.

Requirements

3+ years in card payment fraud risk, ideally on the issuer or card processor/issuer-processor side.
Solid understanding of the card payment lifecycle: authorization, clearing, settlement; the roles of issuer, acquirer, card network, and processor.
Familiarity with authorization message flows (ISO 8583), auth/decline codes, AVS, CVV, and 3-D Secure (3DS) / SCA.
Working knowledge of fraud typologies: card-not-present fraud, account takeover, counterfeit/cloned cards, lost/stolen, BIN attacks, card testing/enumeration.
Experience with fraud detection/rules engines.
Strong data analysis skills: SQL required; ability to interrogate transaction data and quantify fraud/risk trade-offs.
Understanding of chargeback lifecycle and network dispute reason codes.

Skills

Work Type

Work-from-home arrangement

Experience Level

3+ years

Benefits

Competitive salary and company benefits

About the Company

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users.
We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products.
Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more.
We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world.
Shape the future with the world’s leading blockchain ecosystem
Collaborate with world-class talent in a user-centric global organization with a flat structure
Tackle unique, fast-paced projects with autonomy in an innovative environment
Thrive in a results-driven workplace with opportunities for career growth and continuous learning

Equal Opportunity

Binance is committed to being an equal opportunity employer.
We believe that having a diverse workforce is fundamental to our success.