Acquiring Fraud Investigator at Finom

At Finom, we are building an all-in-one financial platform that combines banking, accounting, invoicing, and financial management for entrepreneurs across Europe. Headquartered in Amsterdam, we recently raised €115 million in Series C funding, bringing our total capital to roughly $346 million, and we continue to expand into Germany, France, the Netherlands, Italy, and Spain. Our team is driven by a start-up spirit that values thorough research, rapid execution, and meaningful impact for customers, colleagues, and partners alike.

About the Role

We are hiring a Senior Acquiring Fraud Investigator to join our Financial Crime Risk Management function on a Full Time, Remote basis. In this position you will identify and analyse acquiring-related fraud risks, design and monitor controls, and help keep fraud rates within our risk appetite while supporting sustainable business growth.

Key Responsibilities

• Analyse internal data sources such as alerts, chargebacks, disputes, and machine-learning outputs, together with external trends from card schemes and industry partners, to spot emerging acquiring fraud risks and translate them into clear, actionable scenarios.
• Work with the Fraud Risk Manager, product, engineering, and machine-learning teams to turn those scenarios into effective rules, thresholds, and model features, then back-test, validate, and tune the controls before they go live.
• Provide independent second-line oversight of first-line fraud decisions, support Visa and Mastercard monitoring programmes, and develop training materials and guidance for analysts, dispute teams, and quality-assurance colleagues.

Requirements

• Full working proficiency in English.
• Between two and four or more years of hands-on experience in fraud risk, acquiring fraud, card fraud, or payments risk within a fintech, payment-service provider, or regulated financial institution.
• Strong understanding of card fraud typologies, card-scheme rules, dispute and chargeback mechanics, and the broader payments ecosystem covering both issuing and acquiring.
• Experience building or managing fraud rules, scenarios, or machine-learning-driven controls throughout their full lifecycle.
• Ability to analyse large datasets; practical experience with SQL and BI tools is a significant advantage.
• Proven analytical and critical-thinking skills, attention to detail, and the capacity to balance risk mitigation with business enablement in a fast-paced scaling environment.

Location

This role is fully remote and open to candidates located Anywhere.

Compensation and Benefits

• Stock options available to every team member, from junior colleagues to founders.
• Flexible remote or hybrid working across Europe, with the option to spend one month each year in a corporate apartment in Cyprus through our Work & Swim programme.
• Continuous learning and professional-development support, plus a modern, friendly, and eco-conscious company culture that prioritises well-being and collaboration.