What you will do

About Gnosis Pay:
Gnosis Pay provides the API and card-program infrastructure that enables wallets, fintechs, and businesses to issue stablecoin-powered payment cards and create custom payment flows. Partners can easily connect on-chain wallets to real-world spending.With our technology, users can spend stablecoins directly from their on-chain wallet using a Visa debit card. Transactions are executed through a secure smart-wallet rather than a traditional bank account, allowing users to retain full custody of their assets while paying anywhere Visa is accepted.
For more information about Gnosis Pay, check out our website: https://gnosispay.com/

Role Overview:
The Card Fraud Operations Manager will be a key member of our Risk & Operations team, responsible for developing, implementing, and directly managing strategies to minimize financial losses due to card fraud and efficiently handling all aspects of transaction disputes and chargebacks. This role requires a deep understanding of the Payment Card Ecosystems, Fraud, Scheme & Regulatory requirements, and data-driven risk management.

Key Responsibilities:

Disputes and Chargebacks Management:

Be directly responsible for the end-to-end dispute and chargeback lifecycle.
Ensure timely and accurate processing of all dispute claims, adhering to card scheme rules (Visa) and regulatory timelines.
Develop and implement strategies to optimize chargeback win rates and minimize financial exposure.
Act as the primary point of contact for the customer support team on complex cases.
Fraud Prevention Strategy & Operations:
Develop, implement, and continuously refine card fraud prevention strategies.
Develop strategies to identify and mitigate various fraud typologies, including 1st party fraud.
Manage and optimize fraud detection systems and tools, including real-time monitoring and alert management.
Collaborate with Product and Engineering teams to integrate fraud prevention measures into new and existing card features.

3DS (3D Secure) & SCA (Strong Customer Authentication) Management:

Responsible for the implementation, configuration, and optimization of 3D Secure protocols for e-commerce transactions.
Ensure compliance with Strong Customer Authentication (SCA) requirements and other relevant regional regulations.

Fraud Risk Rules & System Management:

Design, implement, and maintain fraud risk rules within Gnosis Pay's fraud management systems (e.g., rule engines, machine learning models).
Conduct regular analysis of fraud trends to proactively adjust risk rules and detection parameters.
Manage relationships with external fraud prevention vendors.

Fraud Reporting & Analytics:

Develop and maintain comprehensive fraud and dispute reporting dashboards and metrics.
Provide regular, insightful reports to senior management on fraud losses, chargeback rates, dispute trends, and prevention effectiveness.
Analyze root causes of fraud and disputes, identifying systemic vulnerabilities and recommending corrective actions.
Using the data from MI & Analytics, be responsible for directing Gnosis Pay’s Fraud prevention strategy.

Who you are

4+ years of experience in fraud management, risk operations, or dispute resolution within the payment card industry (issuing preferred).
In-depth knowledge of Visa products, chargeback rules, and reason codes.
Strong understanding of EMV technology, tokenization (DPAN, MPAN), 3D Secure (3DS), and Strong Customer Authentication (SCA) principles.
Proven experience in managing and optimizing fraud detection systems and rule engines.
Analytical mindset with the ability to interpret complex data, identify trends, and translate insights into actionable strategies.
Excellent communication, presentation, and interpersonal skills, with the ability to articulate complex technical and risk concepts to diverse audiences.
Experience with data analysis tools and reporting platforms.

What we can offer you

Personal Development: Pursue your professional goals with our support, including personal education budgets and conference allowances. We invest in your growth and learning.
Innovation and Experimentation: Interested in exploring new ideas? Dedicate your Friday afternoons to research or work on a side project within our ecosystem. We encourage creativity and experimentation.
Flat Hierarchy: Navigate with ease in our organization. Our flat hierarchy ensures your ideas and contributions are valued and heard, without getting lost in a complex structure.
Flexible and Remote Work: Not a morning person? No problem! We embrace flexible working schedules and have a long-standing culture of remote work. Balance your professional and personal life in a way that works for you.
State-of-the-Art Equipment: Receive the latest hardware and all the tools you need. We make sure you're well-equipped to do your best work.
Growth and Opportunity: Grow with us in an exciting industry. As Gnosis rapidly expands, so do the opportunities for you to make a significant impact. We value initiative and a proactive approach.
Community and Mission: Join a team that's passionate about our mission and enjoys working together. We’re not just colleagues; we’re a community driven by a shared goal.

At Gnosis, we strive to create an inclusive environment that empowers our team members. We believe that our products and services benefit from our diverse backgrounds and experiences and are proud to be an equal opportunity employer: all qualified applicants are considered for positions regardless of race, ethnic origin, age, religion or belief, marital status, gender identification, sexual orientation, or physical ability

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