Fraud Manager

**WHO WE ARE**
- Founded in 2008, Trustly is the global leader in Open Banking Payments, and the U.S. is Trustly’s fastest-growing market. Today we serve 10,000 merchants, connecting them with over 650 million consumers and 7,600 banks in over 30 countries. In 2021, we processed over $20 billion in transaction volume in our global network.

Our digital account-to-account platform redefines the speed, simplicity, and security of payments. Consumers pay for purchases by simply signing into their bank accounts, bypassing the card networks, and never leaving a merchant’s site or app - no credit card numbers or separate account setup necessary. With offices in Vitoria, Brazil, Silicon Valley in the US, and global headquarters in Stockholm, Sweden, we are a culturally diverse team. Across Brazil, we have embraced remote work from home policy.

At Trustly, we believe that inclusion and diversity are essential foundations for building a fair and equitable society. We do not discriminate based on race, religion, ancestry, color, national origin, gender identity, sexual orientation, age, citizenship, marital status, or disability status. Our main goal is to provide a fair, welcoming, diverse environment with opportunities for all collaborators. The stages of our selection process take place online and without distinction of any kind.

It’s a great time to join Trustly as the Americas team is growing fast. If you thrive in an entrepreneurially-minded, fast-paced, casual, professional, positive, and rewarding work environment, check us out

The Global Risk organization needs to build a strong risk operations team in Brazil to support the insourcing initiative. Initial focus of the team will be on fraud and collections in the North American region. Additional responsibilities may be added as we move toward a global platform.

The Fraud team's mission is to mitigate risks and reduce our losses. The team works by acquiring and gathering information about deviations and data that help us improve risk processes, and block malicious actors, supporting the revenue and profitability goals of our business.

**What you'll do**:

- Respond to real-time fraud attacks against the service using both internal and external tools
- Collaborate effectively cross-functionally throughout the organization (payments, product, customer success, finance, data science and analytics, and engineering) in the investigation of fraud cases
- Manage the reporting of key performance indicators; present analyses and findings to management to steer the Fraud team’s strategic vision
- Work with cross-functional teams to develop, implement and maintain effective risk management programs to (a) measure and (b) mitigate fraud risk without negatively impacting conversion and the broader customer/ merchant experience
- Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements
- Communicate with external stakeholders (merchants, channel partners, banks) on fraud and explain our processes or investigations
- Work with the Product organization to create automation to reduce the manual work associated fraud and
- Build a team of junior and senior fraud analysts

**Who you are**:

- Bachelor's Degree in Accounting, Finance, Economics, Statistics, Mathematics or equivalent experience preferred.
- Experience in fraud detection and prevention also experience as a people manager.
- Ability to diagnose fraud patterns and develop appropriate countermeasures, particularly targeted rules.
- Communicate fraud and risk insights to the data science and analytics teams for the development of automated solutions.
- Strong project management skills and ability to design operations systems to scale operations processes.
- Good analytical skills - must be able to analyze complex data, draw meaningful conclusions, and make holistic business recommendations.
- Experience with SQL or a scripting language (e.g. Python) is a bonus.
- Leadership skills for building, guiding, supporting, coaching and mentoring a team.
- Strong collaboration skills, and the ability to build rapport with members of other departments such as product, engineering, support, and data science.
- Excellent communications skills and fluent English in both written and oral communication.

**Our Perks and Benefits**:

- Bradesco health and dental plan, for you and your dependents, with no co-payment cos
- Sulamérica life insurance with differentiated coverage
- Meal voucher and supermarket voucher
- Home Office Allowance
- Gympass - Platform that gives access to spaces for physical activities and online classes
- Online labor gymnastics
- Trustly Club - Discount at educational institutions and partner stores
- Monthly happy hours with iFood coupon - We hire a band to do an exclusive show for us
- English Program - Here you have space to develop your English, and you can choose an Online Platform or English Classes in company
- Extended maternity and