🧷 Position: Chargeback and Fraud Monitoring Specialist
📍 Location: Limassol | On-site
⚡️ paytech builds the technology behind modern payments. Our white-label payment gateway, payment orchestration platform, and growing suite of payment products help businesses launch, scale, and optimise their payment infrastructure.
We’re looking for a Chargeback and Fraud Monitoring Specialist to monitor payment activity, investigate potentially fraudulent transactions, manage chargeback cases, and help reduce financial and compliance risks across our 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
🗒 Requirements: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
