What You’ll Do

You will develop the overall fraud risk strategy for the Perk Pay Card Program.

You lead and coordinate all activities around fraud prevention and fraud operations for the Perk pay corporate card program.

You define, implement and monitor risk policies and metrics to optimize authorization approval rates while minimizing fraud rates of our corporate card program.

You work in close collaboration with the Perk product and engineering teams and our partners to implement adequate systems and tools that support these strategies.

You provide reports and insights to stakeholders and partners.

You will lead a team of card operations specialists.

What We’re Looking For

You have excellent knowledge of the payment authorization process via a global card network, such as Visa or Mastercard.

You have previous experience in fraud prevention at a card issuer, card network or card payment processor.

You are an expert in fraud prevention policies and systems for credit/debit card payments, preferably corporate credit cards.

Experience working with partner banks and regulators to ensure necessary reporting and requirements are adhered to.

You have excellent technical knowledge of instruments for strong customer authentication, payment authorization and fraud rates, such as 3D Secure, Transaction Risk Analysis, Risk Scoring Models, Rule Engines, etc.

Experience of managing a team to meet deadlines and targets, balancing client experience and enforcing controls.

Experience in fraud operations,



such as dispute management and chargebacks.

Excellent communication and problem solving skills.

You are fluent in English; German and other languages are a plus.

What we offer

Competitive compensation and equity ownership in Perk.

Generous allocation of vacation days plus public holidays.

Choice of private healthcare or a gym allowance to support physical health.

Life Insurance to protect your loved ones financially in case of an emergency.

Company events, including an annual summer party.

Wellbeing partnership with Spring Health providing therapy and coaching sessions for you and your loved ones.

Versátil compensation plan to make your money go further.

17 weeks of paid parental leave during your child’s first year.

16 paid hours per year to volunteer for charitable causes.

Up to 20 Work from Anywhere days per year.

Language lessons in English, Spanish and Catalan.

Four‑week fully paid sabbatical after five years.

Relocation support for moving to a hub.

How We Work We take an IRL‑first approach and require team members to be based within commuting distance of our hubs. We believe in in‑person collaboration 3 days a week to enhance connectivity and productivity.

For certain roles, we can help with relocation from anywhere in the world. English is the official language at the office; please submit your resume in English.

We are an equal‑opportunity employer and welcome applicants of all backgrounds.

📌 Card Operations Team Manager (Madrid)
🏢 Ultimate.ai
📍 Madrid