Risk Operations Lead (Card Business)

About Us

About the Role

Risk Operations Lead

1. Card Risk Review & Operations

• Review and assess high-risk card transactions (e.g., suspicious payments, abnormal behavior, account/card misuse)
• Evaluate user submissions (KYC/KYB, transaction justification, source of funds) for flagged cases
• Optimize review workflows to improve approval accuracy, reduce false positives, and enhance operational efficiency
• Partner with Product and Engineering to improve risk tooling and automation

2. Fraud Analysis & Risk Detection

• Investigate and analyze fraud cases across card payments, including:
• Card-not-present (CNP) fraud
• Account takeover (ATO)
• Transaction laundering / merchant abuse
• Refund and friendly fraud
• Reconstruct fraud attack chains across the payment lifecycle
• Identify emerging fraud patterns and define mitigation strategies

3. Transaction Monitoring & Risk Strategy

• Monitor real-time and post-transaction risk signals across card payments
• Track and optimize key metrics: approval rate, fraud rate, false positives, and operational efficiency
• Design and iterate risk rules, scoring logic, and detection strategies
• Build early-warning systems to proactively detect fraud trends

4. Chargeback & Dispute Management

• Own end-to-end chargeback and dispute operations across card transactions
• Monitor and manage key KPIs: chargeback ratio, win rate, dispute aging, and recovery rate
• Analyze root causes of disputes (fraud, friendly fraud, authorization gaps, user behavior) and implement preventive measures
• Optimize representment strategies and documentation to improve dispute win rates
• Partner with card networks such as Visa and Mastercard, issuing banks, and payment processors to ensure compliance and operational alignment

5. Cross-functional Collaboration

• Work closely with Product, Engineering, Compliance, Legal, and Business teams to embed risk controls into card products and user flows
• Support risk readiness for new product launches, payment features, and market expansion
• Act as a key stakeholder in balancing
• risk control vs. user experience vs. business growth

Experience

• 3+ years in card payments risk, fraud operations, or chargeback/dispute management within fintech, payments, or banking
• Hands-on experience with card transaction lifecycle (authorization → settlement → dispute)
• Strong understanding of chargeback workflows, representment, and dispute lifecycle management
• Familiarity with card network ecosystems (e.g., Visa, Mastercard) is highly preferred

Technical Skills

• Proficiency in SQL, Hive, Excel, or other data analysis tools
• Experience with fraud detection systems, rule engines, or transaction monitoring tools

Risk & Fraud Expertise

• Deep understanding of card fraud typologies (CNP fraud, ATO, friendly fraud, chargeback abuse)
• Strong ability to identify fraud signals, optimize rules, and improve detection strategies

Mindset

• Data-driven and detail-oriented with strong analytical thinking
• High ownership and ability to operate in fast-paced, high-pressure environments
• Strong communication and cross-functional collaboration skills
• Passion for payments, fraud prevention, and continuous learning

Why Join Us

• At Bybit, we are committed to fostering a supportive and enriching work environment.
• Our benefits include:
• Study Growth Fund: We support your professional development and continuous learning.
• Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
• Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
• Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
• Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.