Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, and more. Our mission is to increase the freedom of money and financial access for people around the world.

About the Role: We are seeking a Card Fraud & Chargeback Risk Strategist to own the risk performance of bank card issuing program. You will be accountable for keeping the portfolio inside Mastercard's fraud and chargeback program thresholds, designing pre-authorization screening and authentication strategy, and running the dispute/representment lifecycle end to end. You will work with the BIN sponsor, card scheme, and internal product, compliance, and data science teams.

What You’ll Do

Own portfolio-level fraud rate, chargeback rate and chargeback ratio against Mastercard program thresholds; build the monitoring, alerting and early-warning layer that flags drift before it becomes a scheme program breach
Design and tune real-time pre-authorization screening strategy — rule sets and risk scores combining acquiring-side data, 3DS outcome and issuing-side signals; own approve/decline/challenge trade-offs and the resulting false-decline cost
Own the authentication strategy: EMV 3DS usage and exemption logic, MFA at application, step-up verification (liveness, GPS-verification, face verification) for suspicious card activity, and card freeze/unfreeze controls
Run the chargeback lifecycle: reason-code level analysis, representment evidence design, win-rate improvement, first-chargeback and fraud-report reconciliation, and root-cause feedback into rules and product design
Build merchant and MCC-level controls: velocity limits per MCC, targeted controls for repeatedly attacked merchants (e.g. app-store and digital-goods merchants), temporary merchant whitelisting via verified MFA
Partner with the BIN sponsor and Mastercard on scheme rule changes, program reviews and audits; translate new scheme requirements into concrete strategy and process changes
Quantify risk impact and control cost for prioritization and management reporting; define the KPI set jointly with the card business unit

What We’re Looking For

Hands-on card issuing or card acquiring fraud experience at a bank, card issuer, PSP, payment processor or BIN sponsor — you have personally owned fraud rate and chargeback rate as numbers, not as projects
Working knowledge of Mastercard rules and dispute mechanics: chargeback reason codes, the dispute/representment lifecycle and timelines, fraud reporting flows, and the scheme monitoring programs that constrain an issuer
Strong data analysis skills: SQL required, Python preferred; able to independently build and validate detection logic on transaction-level and chargeback-level datasets
Ability to reason from the attacker's perspective: how card fraud rings source cards and accounts, how they test and cash out, and where a debit-style product tied to an exchange balance is uniquely exposed
Experience collaborating across risk, product, compliance and external partners (scheme, BIN sponsor, processors)

Why Binance

Shape the future of finance
Collaborate with world-class talent in a user-centric global organization with a flat structure
Tackle challenging projects in a fast-paced and innovative enviornment with autonomy
Thrive in a results-driven workplace with opportunities for career growth and continuous learning
Competitive salary and company benefits
Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team)

Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success.

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