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Bybit, a leading cryptocurrency exchange and digital financial platform serving 80+ million users globally, is seeking a Card Risk Operations Lead to manage its card fraud and disputes programme.
You will own real-time monitoring and investigation of card activity across CNP, card-present, ATM, and tokenised wallet transactions. Your responsibilities include investigating suspicious accounts and transactions (account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, first-party abuse), making block/decline/step-up decisions, and escalating AML/sanctions concerns to Compliance. You will manage disputes and chargebacks end-to-end under Visa/Mastercard rules, including evidence gathering, representment, pre-arbitration, and arbitration.
You will collaborate with issuer-processors (Marqeta, Adyen, Thredd, Nium) and fraud tooling vendors to tune rules and velocity limits, balancing false positives against loss. You will track and report key metrics: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, and recovery rate. You will ensure the programme stays within scheme monitoring thresholds (VAMP, ECM/EFM) and support audits. You will write and maintain playbooks, SOPs, and QA checks; train Support on fraud-related customer contacts; and feed fraud trends back to Product and Engineering to improve onboarding, 3DS, and authorisation controls.
This is a hands-on operational role with clear ownership of fraud risk and disputes management in a fast-moving fintech environment.
REQUIREMENTS:
- 3+ years in card fraud operations, disputes, or payments risk at an issuer, EMI, neobank, PSP, or card programme manager
- Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines
- Practical experience with card fraud typologies and controls: 3DS/SCA, velocity rules, device and behavioural signals, tokenisation
- Working experience with fraud and case-management tools (e.g. Featurespace, Sardine, SEON, Feedzai, or in-house) and an issuer-processor dashboard
- Strong data skills: SQL and Excel/Sheets to pull, slice, and explain fraud trends
- Sound judgement under time pressure; clear written investigation notes
- Understanding of PSD2 and EU/UK payments regulation
- Fluent English
NICE TO HAVE:
- Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorisation
- Experience launching a card programme in a new market or with a new BIN sponsor
- Scheme monitoring programme remediation experience
- Python or BI tooling (Looker, Tableau, Metabase)
- Certifications: CFE, ACAMS, or equivalent
- Additional European languages
