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Card Risk Operations Lead

Bybit
Abu Dhabi, UAE
Full-time
Mid-Senior
Onsite
Discovered 1 weeks ago
Card fraud operationsPayments riskVisa dispute rulesMastercard dispute rulesChargeback managementFraud investigation

Full Job Posting

Card risk operations responsibilities

  • Monitor real-time and post-transaction card activity, including card-not-present, card-present, ATM, and tokenized-wallet transactions, and act on fraud alerts within SLA.
  • Investigate suspicious accounts and transactions, including account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse.
  • Make block, decline, step-up, and card-lifecycle decisions; escalate related AML and sanctions concerns to Compliance.
  • Manage disputes and chargebacks under Visa/Mastercard rules, including evidence, representment, pre-arbitration, and arbitration.
  • Tune fraud rules and velocity limits with issuer-processors and fraud tools; measure false positives against losses.
  • Track fraud loss rate, chargeback ratio, approval rate, alert handling time, and recovery rate; maintain scheme thresholds and support audits.
  • Write and maintain playbooks, SOPs, and QA checks; train Support on fraud-related customer contacts.
  • Share fraud trends with Product and Engineering to improve onboarding, 3DS, and authorization controls.

Requirements

  • At least 3 years of card fraud operations, disputes, or payments-risk experience at an issuer, EMI, neobank, PSP, or card programme manager.
  • Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines.
  • Practical experience with card fraud typologies and controls, including 3DS/SCA, velocity rules, device and behavioral signals, and tokenization.
  • Experience with fraud and case-management tools and an issuer-processor dashboard.
  • SQL and Excel/Sheets skills to analyze and explain fraud trends; sound judgment under time pressure and clear written investigation notes.
  • Understanding of PSD2 and EU/UK payments regulation; fluent English.

Nice to have

  • Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorization; launching programmes in new markets or with a new BIN sponsor; and scheme-monitoring remediation experience are a plus.
  • Python or BI tooling such as Looker, Tableau, or Metabase; CFE, ACAMS, or equivalent certification; and additional European languages are nice to have.

About Bybit

Bybit describes itself as a cryptocurrency exchange and digital financial platform serving users across more than 200 countries and regions.

The company says its services span trading, payments, wealth management, custody, institutional services, and Web3, supported by multilingual customer service.

Benefits

  • Benefits include a study growth fund, internal events, global collaboration, career advancement opportunities, and internal mobility.

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