Head of Anti-Fraud

Mercuryo

. Run Mercuryo’s fraud prevention function and report directly to the Head of AML Operations .

Posted 10/27/2026full-timeRemote • CyprusLeadWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in fraud prevention and risk management within payment systems, including leading investigations and redesigning fraud controls. Proficient in managing anti-fraud operations, compliance with Visa and Mastercard regulations, and building effective AML controls.

Highest-signal resume keywords

Fraud Prevention ExpertiseLeadership in Fraud OperationsVisa and Mastercard Compliance KnowledgeSQL ProficiencyFraud Risk Assessment Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Fraud InvestigationFraud Risk AssessmentChargeback ManagementData AnalysisRule-Based Fraud Engine ManagementTransaction Laundering Detection3-D Secure KnowledgeStrong Customer AuthenticationEvidence Production for AcquirersFraud Control Redesign

Soft Skills

Clear Procedure WritingData Presentation SkillsTeam LeadershipCross-Functional CollaborationCommunication Skills

Tools & Technologies

MetabaseFraud Detection PlatformsAML PlatformsSQL DatabasesFraud Monitoring Tools

Industry Keywords

PaymentsCard AcquiringPSPEMICryptoMule NetworksAccount TakeoverMerchant CollusionVisa and Mastercard ProgrammesTransaction-Laundering Exposure

Tech Stack

Tools & technologies

SQL

About the role

Key responsibilities & impact

Run Mercuryo’s fraud prevention function and report directly to the Head of AML Operations
Own fraud risk across the on/off-ramp widget, wallet, swaps, and card acquiring pay-ins and pay-outs
Lead complex, large-scale fraud investigations involving linked-account networks, card testing, mule activity, account takeover, scams, and merchant or partner collusion
Set investigation standards, including linked case histories, closure deadlines, root-cause analysis and audit-ready evidence
Change rules, restrict or offboard merchants and partners, and escalate suspicion to Transaction Monitoring and the MLRO
Own the anti-fraud rule set, including design, impact testing, approvals, rule registration and effectiveness reviews
Identify control weaknesses and redesign controls, procedures, tooling and fraud risk assessments
Build and run AML alert and block rules on the anti-fraud platform while keeping fraud and AML rules separately registered and assigned
Maintain acquirer and MID compliance with Visa and Mastercard fraud and dispute thresholds
Lead responses to Visa and Mastercard notices and programme identifications within scheme deadlines
Act as anti-fraud lead with acquiring partners, responding to RFIs, agreeing remediation plans and completing due-diligence questionnaires
Own chargebacks and disputes, including representment, pre-arbitration, deadlines, win rates, tooling and pre-dispute alerts
Detect and stop unauthorized partner and merchant use of Mercuryo widgets or payment links through resellers, aggregators, iframes and redirects
Select and manage merchant-monitoring and transaction-laundering detection providers
Define alert triage, action and evidence processes
Coordinate with KYB, Integrations, Legal and Acquiring on blocking, takedowns, contractual remedies, offboarding and reporting
Lead and develop a multinational Anti-Fraud team of specialists, analysts, chargeback and fraud operations staff
Report fraud losses, chargeback and fraud ratios, scheme exposure, incidents and control status to senior management and the Board
Maintain the incident register and close audit, QA and compliance-monitoring findings with evidence
Partner with Product and Engineering to ensure fraud controls are implemented before new products, markets and merchants launch

Requirements

What you’ll need

At least 8 years in fraud prevention in payments, card acquiring, a PSP or EMI, or crypto
At least 3 years leading a fraud team or function, preferably one spread across several countries
Personally led large-scale fraud investigations from detection to resolution, including card-testing attacks, mule networks, account takeover rings or merchant collusion
Produced evidence for acquirers, card schemes or law enforcement
Redesigned fraud controls and procedures after an audit, scheme notice or major incident, and demonstrated effects on losses and ratios
Direct experience handling acquirer RFIs, remediation plans and scheme programme cases
Detailed knowledge of Visa and Mastercard programmes, including VAMP, VIRP, TC40, Compelling Evidence 3.0, Order Insight, RDR, ECP, EFM, GMAP, BRAM, GRIP, Scam Merchant Monitoring Program, Merchant Monitoring Program, SAFE, MATCH and Ethoca alerts
Knowledge of how Visa and Mastercard rules apply to crypto merchant-of-record payments (MCC 6051), including transaction-laundering exposure
Knowledge of 3-D Secure and Strong Customer Authentication, including exemptions and liability shift
Experience owning a rules-based fraud engine, including rules, lists, velocity limits, device fingerprinting, BIN and geo controls, with back-testing or shadow mode before release
SQL proficiency
Experience building dashboards in Metabase or a similar tool
Ability to analyze large transaction datasets personally
Experience designing detection for transaction laundering and unauthorized website use
Experience with test purchases through multi-step checkouts, redirect and referrer analysis, and measuring monitoring-provider detection rates and false positives
Experience running a fraud risk assessment covering external and internal fraud using COSO or ACFE guidance
Ability to write clear procedures that pass internal audit and regulator review and maintain evidence that controls operate as written
Understanding of fraud and AML intersections, including mule networks, SAR escalation and sanctions screening
Experience building AML controls on a fraud platform
Ability to present data on losses and scheme exposure to obtain engineering priority
Fluent written and spoken English

Benefits

Comp & perks

Competitive market rate salary and performance-based incentives
22 days annual leave with an additional 6 company days, plus bank holidays
Comprehensive health insurance plans
Maternity & Paternity leave support
Extensive benefits program
Flexible work schedule and remote work options
Modern offices and co-working spaces across 6 countries
Working equipment
Professional development and training opportunities
Opportunity to shape the initiatives you’re working on
Diverse and friendly team
Open-minded culture welcoming new ideas