Chargeback and Fraud Monitoring Specialist.

paytech is a next-generation payment technology company focused on delivering secure, scalable, and frictionless payment solutions for businesses worldwide. Our payment gateway powers thousands of merchants, and we are now expanding its capabilities with new, innovative functionality. 

We are looking for a Chargeback and Fraud Monitoring Specialist, who will be responsible for monitoring payment activity, identifying potentially fraudulent transactions, managing chargeback cases, and helping reduce financial and compliance risks across the company’s payment operations.

• 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.

• 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.

• Experience in payments, payment gateways, acquiring, or fintech;
• Familiarity with chargeback and fraud detection rules, risk algorithms, velocity checks, and risk scoring.