Acquiring Risk Fraud Analyst

Company Description

Wise is a global technology company, building the best way to move and manage the world's money.

Min fees. Max ease. Full speed.

• Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.
• As part of our team, you will be helping us create an entirely new network for the world's money.
• For everyone, everywhere.
• More about our mission and what we offer .

Job Description

We're looking for an Acquiring Risk Fraud Analyst to join our team in the Tallinn office. This role is a unique opportunity to have an impact on Wise's mission , grow as an analyst, help save millions more people money and work in a disruptive, fast-growing and fun environment.

Your mission:

• Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world's first platform to offer true multi-currency banking and convenient business solutions .
• We have an awesome operational team handling Acquiring chargebacks; a unified team that works very closely with our dedicated engineering and product teams.
• As a Acquiring Risk Fraud Analyst, you get to support your team's operational success and bring your expertise to upscale the domain; driving detection and prevention focused initiatives with long-lasting impacts will be part of your daily work.
• Here's how you'll be contributing to Acquiring Risk team:

Acquiring Fraud Prevention and Risk Management:

• Protect our Wise merchants from fraud chargeback losses
• Protect Wise from first party merchant fraud
• Proactively analyse merchant dispute trends and identify gaps in the acquiring fraud prevention rulesets in the pre-authorisation and post-authorisation flows.
• Acquiring fraud rule creation and optimisation to mitigate the impact of acquiring fraud on the following:
• Dispute rates (scheme compliance & fees)
• Chargeback loss rates (product cost)
• Wise merchant experience (rule precision)
• Understand and implement machine learning scores within static fraud rules to improve rule precision and recall.
• Contributing to longer term projects targeted at acquiring fraud reduction.
• Working with Acquiring Product and Engineering teams on rule engine improvements, and optimising the acquiring fraud customer journey from rule declines to rule alerts and dispute processing.
• Serve as a point of escalation for all things acquiring fraud prevention related to customer facing Ops teams.

Effective communication and teamwork skills

• Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders
• Able to present learnings and acquiring fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.

Incident Management

• Providing data and relevant insights to all stakeholders for the purposes of incident management
• Escalating risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders

Qualifications

• Your verbal and written English skills are excellent. If you speak other languages then that's a bonus!
• You communicate findings clearly, in writing and out loud, to both technical and non-technical audiences.
• You have strong attention to detail, punctuality, and are comfortable taking initiatives.
• You are good with routine but can also adapt and keep up with fast changes.
• You are able to work independently but also know how important good team-work is.
• You can make decisions in critical situations and have the ability to multitask.
• You have hands-on experience with fraud prevention strategy - building rules, tuning thresholds, or running post-incident reviews.
• You have at least 1 year of experience creating fraud rules on a risk engine
• You are proficient in SQL, and have experience building queries extracting information from multiple data tables.
• Python is a bonus, not a requirement - if you can pull data or prototype checks in Python or a similar language, tell us.

Your Analytical and Strategic Abilities

• Able to independently prioritise your workflows (team specific & external escalations) well, delivering quality work that resolves issues within agreed timelines.
• Able to competently think through analytical tasks and fully understand the impact of acquiring fraud rules on the Acquiring product and on our customers.
• Deliver quality analysis that addresses the business problem.
• Comfortable with complexity and aware of key factors underlying a decision.
• Able to propose ideas autonomously to deflect acquiring fraud waves.
• Able to code both independently and in collaboration with other analysts, and write legible code that is usable by others.
• Able to test fraud rule conditions autonomously and troubleshoot code and risk engine related issues.
• Comfortable learning new data analysis techniques and methods.

Questions you should regularly ask yourself:

• What could I do to magnify the impact of the current detection strategies? How do I stop more fraud with a similar prevention strategy?
• What is lacking right now with our Tools that would increase the effectiveness of our prevention strategies without causing a similar increase in customer impact?
• Where we are today versus where we want/need to be in 6 months/12 months etc? (What Product/Scheme/Compliance changes will impact the Card Fraud Domain and potential impact on prevention strategies and how we stop Card Fraud?)

Additional Information

• If you're interested in the position, please apply by submitting your CV and cover letter by October 2nd, 2026.
• In your cover letter, please answer the following questions:

• Do you think that customer experience should be considered as a part of the detection rule approval criteria? And why?
• How do you think acquiring fraud detection and prevention impacts the overall company's mission?

For everyone, everywhere. We're people building money without borders — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

• We're proud to have a truly international team, and we celebrate our differences.
• Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.
• If you want to find out more about what it's like to work at Wise visit Wise.Jobs .
• Keep up to date with life at Wise by following us on LinkedIn and Instagram .