Fraud Prevention Specialist

Come Make an Impact on Millions of Brazilians!

At RecargaPay, we’re on a mission to deliver the best payment experience for Brazilian consumers and small businesses — by building a powerful digital ecosystem where the banked and unbanked connect, and where consumers and merchants have a one-stop shop for all their financial needs.

We serve over 10 million users and process more than USD 4 billion annually. We’ve been profitable since 2022 and operate our own credit business. We are an AI-first, 100% remote team, scaling in the rapidly changing Brazilian financial market.

Our goal? Deliver the best payment experience in Brazil for people and small businesses alike.

We value autonomy, ownership, and a bias for action. We’re looking for people who are curious, hands-on, and driven by impact — who want to solve real problems, work with strong teams, and rethink what’s possible.

If you’re ready to do your best work, at scale, with purpose — this is your place.

You will be responsible for the UX role supporting the product area with your Senior Product Design knowledge to put together the best experience for our users. In this role, you will translate customer needs, doing research and putting business results and requirements into attractive, efficient and highly usable designs.

Requirements

The Credit Card Fraud Prevention Specialist plays a strategic role in safeguarding the institution’s assets and protecting our customers' experience against constantly evolving fraud threats. This professional will be responsible for deeply analyzing fraud patterns, developing, implementing, and optimizing innovative prevention strategies, and managing the performance of advanced detection and mitigation technologies. We are looking for a proactive, analytical, and collaborative individual, passionate about solving complex problems and staying at the forefront of financial fraud prevention.

• Bachelor’s degree in Business Administration, Economics, Engineering, Computer Science, Statistics, or related fields. Postgraduate education or certifications in fraud prevention (e.g., CFE) are a plus.
• Proven experience of 5+ years in fraud prevention, specifically within credit card issuers, banks, or fintechs offering payment products.
• Deep knowledge of various credit card fraud typologies (CNP, CP, ATO, synthetic identity, friendly fraud, etc.), their operating mechanisms, and associated attack vectors.
• Advanced proficiency in SQL for extracting, manipulating, and analyzing complex datasets.
• Solid experience with data visualization tools (Tableau, DataBricks, or similar) for building dashboards and analytical reports.
• Practical knowledge and experience in configuring and optimizing rules in fraud prevention platforms (e.g., Cybersource Decision Manager, Feedzai, FICO Falcon, or proprietary solutions) and rule engines.
• Strong understanding of technologies such as 3D Secure (especially 3DS2), tokenization, and the fundamentals of AI/Machine Learning as applied to fraud detection.
• Familiarity with chargeback lifecycle, card network rules (Visa, Mastercard) for disputes, and fraud monitoring programs.
• Knowledge of relevant financial and payment industry regulations (e.g., LGPD, Brazilian Central Bank regulations on cybersecurity and fraud prevention, KYC/AML standards).
  

Behavioral Skills and Desired Competencies:

• Excellent analytical skills, with the ability to interpret complex data, identify subtle patterns, and solve problems in a structured and creative way.
• Strong critical thinking and meticulous attention to detail.
• Ability to perform under pressure in a dynamic environment, make quick data-based decisions, and manage multiple priorities.
• Strong verbal and written communication skills, with the ability to present complex technical information clearly, concisely, and persuasively to different audiences, including senior leadership.
• Proactivity, intellectual curiosity, and a strong desire for continuous learning and self-development to stay current with the evolving fraud landscape.
• Proven ability to collaborate and work in cross-functional teams, building effective relationships with internal and external stakeholders.
• Adaptability, resilience, and the ability to manage ambiguity in a constantly evolving threat environment.
  

Key Success Indicators (Examples):

• Consistent reduction of net fraud loss rate (Net Fraud Rate / Basis Points).
• Optimization of fraud detection rate, with early identification of new patterns and attacks.
• Minimization of false positive rate while maintaining a high approval rate for legitimate transactions, preserving customer experience.
• Improvement in representment success rate for fraud-related chargebacks.
• Successful development and implementation of new prevention strategies and rules with measurable impact.
• Positive feedback from internal stakeholders regarding the quality of insights provided, collaboration, and strategic support.
  
  Key Responsibilities and Duties:
  
• Monitor transactions, accounts, and real-time fraud alerts, conducting in-depth investigations into suspicious activity to determine nature and impact.
• Analyze large volumes of transactional and behavioral data using advanced SQL and BI tools (such as Tableau/DataBricks) to identify fraud trends, emerging vulnerabilities, and develop actionable insights to enhance defenses.
• Develop, implement, continuously test, and optimize fraud prevention rules in decision engines and specialized platforms, seeking the ideal balance between risk detection and customer experience.
• Manage and optimize the performance of fraud prevention technologies, such as authentication systems (e.g., 3D Secure 2.0).
• Conduct detailed post-mortem analyses of significant fraud incidents to identify root causes, procedural or technological gaps, and recommend corrective and preventive improvements.
• Manage the lifecycle of fraud-related chargebacks, including dispute analysis, documentation for representment, and optimization of recovery rates in favor of the issuer.
• Collaborate actively with internal teams such as Product, Engineering, Operational Risk, Compliance, Customer Support, and Legal to align strategies, share fraud insights, and contribute to the development of safer products and processes.
• Stay rigorously updated on the latest fraud typologies (including but not limited to CNP fraud, Account Takeover (ATO), synthetic identity fraud, phishing, malware, and internal fraud), attack tactics, emerging prevention technologies, and industry regulatory changes.
• Prepare management reports, presentations, and dashboards covering fraud metrics, strategy performance, key KPIs, and ROI of prevention initiatives.
• Actively participate in the evaluation, selection, and implementation of new tools, technologies, and fraud prevention solution providers.
  
  

Benefits

• Competitive and market-aligned salary.
• Remote work — wherever you are, you’re part of the team!
• Home office allowance through a monthly deposit in the RecargaPay app.
• Health and dental plans with no co-pay.
• Life insurance.
• Flexible meal allowance (via Flash).
• TotalPass membership to take care of your health.
• Spanish or Portuguese classes.

Diversity & Inclusion at RecargaPay
At RecargaPay, you’ll have the freedom to be who you are because we believe that diverse perspectives and experiences make us more creative and stronger. Here, everyone is welcome to express themselves authentically. We value the richness of each journey and the multiple ways of seeing the world, without distinctions of gender, race, sexual orientation, age, religion, or any other characteristic that makes us unique.

About the use of your Data
By sharing your resume with us, you authorize the use of your data for analysis during the selection process and possibly for other opportunities within the RecargaPay group. You can request the update or deletion of your information at any time, in accordance with LGPD (General Data Protection Law).