Chargeback and Fraud Monitoring Specialist

Chargeback and Fraud Monitoring Specialist at paytech in Limassol, on-site. Monitor payment activity, investigate fraud, manage chargebacks, reduce financial and compliance risks.

paytech builds the technology behind modern payments. White-label payment gateway, payment orchestration platform, and payment products help businesses launch, scale, and optimise payment infrastructure. The specialist will monitor payment activity, investigate potentially fraudulent transactions, manage chargeback cases, and help reduce financial and compliance risks across payment operations. Key Responsibilities: - Monitor transactions and payment activity for suspicious behaviour, unusual patterns, and potential fraud - Review fraud alerts generated by PSPs, acquirers, fraud prevention tools, and internal monitoring systems - Investigate potentially fraudulent transactions using 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 individual chargeback cases and determine whether they should be accepted or disputed - Collect and prepare supporting evidence for chargeback representment, including transaction details, 3DS authentication results, customer communication, login history, terms acceptance, payment records, and service usage evidence - Submit chargeback responses within deadlines established by card schemes, acquirers, and PSPs - Monitor chargeback ratios, fraud-to-sales ratios, dispute rates, and other card-scheme risk indicators - Track Mastercard and Visa monitoring thresholds and help prevent entry into fraud or chargeback monitoring programmes - Investigate spikes in chargebacks or fraud and identify potential causes, including traffic quality, technical issues, misleading descriptors, recurring payment problems, and operational failures - Support the implementation and optimisation of fraud prevention rules, transaction limits, velocity checks, blacklists, whitelists, and risk-scoring criteria - Review existing fraud rules and recommend adjustments to reduce fraud without unnecessarily impacting approval and conversion rates - Work closely with Payments, Risk, Compliance, Customer Support, Finance, Product, and Technical teams - Communicate with PSPs, acquirers, fraud prevention providers, and other external partners regarding fraud alerts, chargebacks, evidence requirements, and risk recommendations - Prepare regular reports on chargebacks, fraud levels, dispute outcomes, recovery rates, trends, and emerging risks - Ensure investigations and dispute-handling activities follow internal procedures, card-scheme rules, regulatory requirements, and data-protection standards - Contribute to the continuous improvement of fraud monitoring, chargeback handling, and payment risk procedures

Must-have: - Strong analytical and investigative skills - Ability to identify suspicious payment patterns and investigate transaction-level activity - Understanding of chargeback and dispute-handling processes - Ability to work with large volumes of payment and risk data - Excellent attention to detail and ability to manage time-sensitive cases - Strong communication skills and confidence working with internal teams and external payment partners - Ability to balance fraud prevention with payment approval and conversion performance - Comfortable working in a fast-paced, high-volume payment environment

What We Offer: - Work equipment tailored to your needs: Mac, Windows, or Linux - Cozy Limassol office with coffee, snacks, drinks, PS5, and rooftop view - Private medical insurance after probation and additional benefits, including sport coverage - Partial lunch coverage - Full work-permit support