#vacancy #вакансия #payments #transactionmonitoring #paymentoperations #fintech #paymentprocessing

🧷 Position: Payment Transaction 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 Payment Transaction Monitoring Specialist to take end-to-end ownership of payment activity for a designated portfolio of high-priority customer accounts.

🧩 Key Responsibilities:
- Maintain continuous oversight of payment activity for an assigned portfolio of priority customer accounts
- Monitor payment activity at account, user ID, email, transaction, card, BIN, issuer, country, device, and payment-method level
- Build a detailed understanding of each customer’s payment behaviour and transaction history
- Track successful, declined, pending, reversed, duplicated, refunded, and abandoned payment attempts
- Identify changes in payment behaviour, recurring decline patterns, technical issues, and potential payment obstacles
- Investigate individual payment failures and determine the most likely root cause
- Review issuer response codes, gateway errors, authentication results, routing history, and PSP responses
- Distinguish between issuer declines, technical errors, routing problems, risk rejections, and customer-side issues
- Analyse transaction performance by BIN, issuing bank, card type, card scheme, country, currency, and authentication flow
- Adjust routing logic based on BIN, issuer, card type, country, currency, payment history, transaction amount, and previous payment outcomes
- Configure or request changes to payment cascades based on actual transaction performance
- Maintain clear and up-to-date records of customer-specific payment issues, actions taken, and results achieved
- Prioritise payment-critical cases and ensure unresolved issues are followed through to completion

🗒 Requirements:
Must-have:
- Hands-on experience with payments, payment processing, acquiring, PSPs, payment gateways, or payment operations
- Strong understanding of the payment transaction lifecycle
- Ability to analyse declines, issuer response codes, authentication results, gateway errors, and PSP responses
- Understanding of BINs, issuers, card schemes, payment methods, routing, and cascades
- Strong analytical and troubleshooting skills
- Ability to work confidently with transaction-level data and identify patterns across large volumes of payments
- Excellent attention to detail and ownership of payment-critical cases
- Comfortable collaborating with engineers, analysts, and external PSP partners

🎁 What We Offer:
- Deep involvement in the company’s core payment infrastructure
- Close collaboration with engineers, analysts, and PSP partners
- Competitive salary package and performance bonuses
- Fast-track growth in a high-volume, multi-GEO payment processing environment
- 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
- Partial lunch coverage
- Full work-permit support

🌿 Contact: @ssabinhas

#vacancy #вакансия #chargebacks #fraud #fraudmonitoring #payments #risk #fintech

🧷 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
- Partial lunch coverage
- Full work-permit support

🌿 Contact: @ssabinhas