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BIT (formerly Matrixport) is a global digital asset financial services and infrastructure group headquartered in Singapore, managing over $7 billion in assets and facilitating $7+ billion in monthly trading volume. The company bridges traditional finance and digital assets through regulated financial services and technology, with licensed operations across Singapore, Hong Kong, Switzerland, the UK, US, and Bhutan.
You will own the full lifecycle of the card-issuing risk control product, building an end-to-end risk platform that encompasses real-time authorization interception rules, static/dynamic limit systems, and abnormal transaction alerting mechanisms. Your core responsibilities include optimizing the risk engine rules and threshold configurations to improve fraud detection quality while significantly reducing false-positive (false-decline) rates—balancing risk control requirements against payment approval rates.
You will establish scalable post-transaction monitoring and manual review workflows, designing authorization holds, offline force-debit protection, and settlement-cycle FX slippage prevention mechanisms. The role requires designing tiered and scenario-based controls, tailoring differentiated limit controls, 3DS verification strategies, and risk protection mechanisms for different user tiers, card types, and suspicious payment scenarios.
Collaboration is central: you'll work closely with risk operations teams to optimize alert routing, case management, and review/unblocking workflows, improving investigation and processing efficiency. You'll interface with card networks and BIN sponsors on compliance, partnering with data and engineering teams to ensure the stability of millisecond-level decision engines and compliance with Visa/Mastercard requirements.
The role also involves exploring and applying AI and machine learning models to improve detection accuracy for complex fraud rings and anomalous transactions, reducing manual operational costs. You should be data-driven, proficient with SQL and data analysis tools, and capable of investigating anomalous transaction signals and evaluating rule performance.
Required: Bachelor's degree, 3+ years in payment risk control, card issuing systems, or digital banking product management. Strong experience in product design related to card issuing risk control, real-time authorization interception, limit management, or loss prevention. Understanding of crypto fundamentals; experience with crypto cards or Web3 payments is a plus. Excellent cross-functional communication skills and ability to balance interception rates, operational efficiency, and user payment experience in a strict risk and compliance environment.
