ppbAbout Finom /b /p pFinom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform. /p pWe recently closed a b€115 million Series C equity round /b (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe. /p pFinom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain. /p pAt Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole. /p pMaintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business. /p pbLocation: /b fully remote /p ul lipEmployment contract by Finom in Spain/Poland/Cyprus/Netherlands /p /li lipOther countries within European time zones as B2B freelance agreement /p /li /ul h3bAbout the Role /b /h3 pWe are looking for a highly motivated Acquiring Fraud Investigator to join Finom Payments’ Second Line of Defence within the Financial Crime Risk Management Function /p pThis role sits in the Fraud Risk Management function, reports to the Fraud Risk Manager and is responsible for identifying and analysing the risks, as well as designing, monitoring, and challenging the effectiveness of Finom’s fraud controls, with a strong focus on acquiring fraud risks such as merchant abuse, friendly fraud, chargebacks, and card schemes compliance risks. /p pYou will play a key role in building and continuously improving Finom’s fraud risk framework, ensuring fraud rates remain within risk appetite without compromising growth or customer experience. /p h3bResponsibilities /b /h3 ul liAnalyze internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes,



partners, law enforcement, industry intelligence) to identify emerging fraud risks related to acquiring business. /li liTranslate observed patterns into well-defined acquiring fraud scenarios, covering areas such as Card-Present and Card-not-present fraud, friendly fraud and dispute abuse, merchant fraud, transaction laundering, enumeration and testing attacks. /li liMaintain and continuously enrich the Acquiring Fraud Typology Library, aligned with scheme rules, regulatory expectations, and Finom’s risk appetite. /li liWork closely with the Fraud Risk Manager, product, engineering, and ML teams to ensure correct translation of acquiring fraud scenarios into rules, thresholds and controls as well as machine‑learning features and signals. /li liParticipate in back‑testing, validation, and tuning of acquiring fraud controls prior to production release. /li liMonitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimisation actions. /li liAct as a Second Line challenger, providing independent oversight of acquiring fraud risk decisions taken in the First Line. /li liSupport scheme‑related topics such as Visa / Mastercard monitoring programs, dispute ratios, and remediation actions. /li liEstablish proper stakeholder management with product teams, risk management, quality assurance and operations teams. /li liDevelop training materials and guidance for acquiring fraud analysts, dispute teams, and QA. /li liAssist in drafting and reviewing system requirements, procedures, and internal policies related to acquiring fraud prevention. /li liActively participate in process improvement initiatives and ad‑hoc projects within the Financial Crime Risk Management function. /li liPerform other duties as reasonably required to support the operational efficiency and fraud loss prevention of Finom. /li /ul h3bWho you are /b /h3 ul liEnglish – full working proficiency /li li2–4+ years of experience working in second line of defence in fraud risk, acquiring fraud, card fraud, or payments risk within a fintech, PSP, or regulated financial institution /li liExperience with fraud prevention, fraud detection, fraud investigations and fraud mitigations in the financial (Banking, PSP, FinTech) sector /li liSolid understanding of card fraud typologies, card scheme rules, and dispute / chargeback mechanics /li liKnowledge of the payments ecosystem,



issuing and acquiring /li liExperience working with fraud rules, scenarios, or ML‑driven controls (end‑to‑end lifecycle preferred) /li liAbility to analyse large datasets; experience with SQL and/or BI tools is a strong advantage /li liStrong analytical and critical‑thinking skills /li liDetail‑oriented, proactive, and comfortable working in a fast‑paced, scaling environment /li liAbility to balance risk mitigation with business enablement /li /ul h3bInterpersonal Skills /b /h3 pFINOM strongly rejects the “Compliance says No” mindset. /p pWe are looking for someone who: /p ul liThinks like a risk partner, not a blocker /li liIs comfortable challenging assumptions and proposing pragmatic solutions /li liCan explain complex fraud risks in simple, business‑friendly language /li liCommunicates effectively with stakeholders across product, tech, and operations /li /ul h3bInterview Process /b /h3 ul liRecruiter Interview - 30 mins /li li1st interview - 60 mins /li liCase study /li liFinal Interview -60 mins /li /ul h3bWhat You Will Get In Return /b /h3 pbMake a genuine impact on the product /b /p pJoin our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product. /p pbWork in the EU /b /p pEmbark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe. /p pbBecome a stock options holder /b /p pUnlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders. /p pbReceive unwavering support and care /b /p pFinom stands by you at every step, embodying our commitment to your well‑being and success reflected in our modern, friendly, and eco‑conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling. /p pbWork Swim program /b /p pImmerse yourself in our exclusive Work Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the adecuado opportunity to strike the perfect work‑life balance while enjoying breathtaking Mediterranean views. /p h3bEqual Opportunity Statement /b /h3 pAt Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics. /p /p #J-18808-Ljbffr

📌 Acquiring Fraud Investigator (2nd LoD) (España)
🏢 Finom
📍 España