Payment Risk Specialist
hace 3 días
Barcelona
ph3About Adnovation /h3pAt Adnovation we develop and create innovative B2C membership‑based entertainment products. Our team specializes in digital advertising, customer acquisition, and monetization of traffic through reliable payment, security, and advertising partners. We are part of EXOGROUP, a group of more than 200 talents offering a wide range of services within the digital business landscape with headquarters in Barcelona and offices in Dublin, Porto and Valencia. /ph3Role /h3pThe Payments Risk Specialist will be a key member of the Payments team, responsible for developing, implementing, and overseeing the risk management framework for all card payment operations. This role requires a deep understanding of card scheme rules, regulatory requirements (e.g., PSD2, GDPR), fraud prevention strategies, and risk assessment methodologies. The Payments Risk Specialist will proactively identify, assess, and mitigate risks associated with card payments, ensuring the security and integrity of transactions while optimizing the customer experience. The role involves collaborating closely with the card payments manager, payment providers specialist, finance, and customer support teams, as well as external partners such as card schemes, risk control tools and payment processors. /ph3Responsibilities /h3ulliRisk Strategy and Framework Development:ulliDevelop and maintain a comprehensive risk management strategy and framework specifically for card payments, aligned with the overall company risk appetite and regulatory requirements. /liliDefine and implement risk policies, procedures, and controls across the entire card payment lifecycle, including onboarding, transaction processing, chargebacks, and fraud management. /liliEstablish key risk indicators (KRIs) and metrics to monitor and report on the effectiveness of risk mitigation efforts. /li /ul /liliRisk Assessment and Mitigation:ulliConduct regular risk assessments to identify potential vulnerabilities and threats related to card payments, including fraud, operational errors, compliance breaches, and reputational risks. /liliDevelop and implement effective risk mitigation strategies and controls, working closely with relevant teams to ensure their adoption and effectiveness. /liliEvaluate the risk implications of new card payment products, features, and integrations, providing recommendations to ensure secure and compliant implementation. /li /ul /liliFraud Prevention and Detection:ulliLead the development and implementation of advanced fraud and friendly fraud detection and prevention strategies, leveraging data analytics, machine learning, and industry best practices. /liliMonitor fraud trends and patterns, adapting strategies and rules to proactively address emerging threats. /liliManage relationships with fraud prevention vendors and evaluate the effectiveness of their solutions. /li /ul /liliCompliance and Regulatory Adherence:ulliEnsure compliance with all relevant card scheme rules (e.g., Visa, Mastercard), industry standards (e.g., PCI DSS), and regulatory requirements (e.g., PSD2, GDPR) related to card payments. /liliStay up‑to‑date on changes in regulations and scheme rules, assessing their impact and implementing necessary adjustments to policies and procedures. /liliManage audits and assessments related to card payment risk and compliance. /li /ul /liliIncident Management and Reporting:ulliDevelop and maintain incident response plans for card payment related security breaches and fraud incidents. /liliLead the investigation and resolution of security incidents, ensuring timely and effective containment, eradication, and recovery. /liliPrepare and present regular reports on card payment risk metrics, fraud trends, and compliance status to relevant stakeholders. /li /ul /liliCollaboration and Communication:ulliCommunicate risk-related information clearly and effectively to both technical and non‑technical audiences. /liliBuild and maintain strong relationships with external partners, including card schemes, payment processors, and regulatory bodies. /li /ul /li /ulh3Requirements /h3ulliBachelor's degree in Finance, Business Administration, Computer Science, Information Security, or a related field. Master's degree preferred. /liliExtensive experience in risk management within the card payments industry, with a strong focus on fraud prevention and compliance. /liliIn‑depth knowledge of card scheme rules (Visa, Mastercard, Amex), PCI DSS standards, and relevant regulatory frameworks (PSD2, GDPR). /liliProven experience in developing and implementing risk management frameworks, policies, and procedures for card payments. /liliStrong analytical and problem‑solving skills, with the ability to interpret complex data and identify patterns and trends. /liliProficiency in data analysis tools (e.g., SQL, Excel, BI tools) and experience with fraud detection and prevention technologies. /liliExcellent communication, presentation, and interpersonal skills, with the ability to influence and collaborate effectively across different teams and levels. /liliAbility to work independently, manage multiple priorities, and thrive in a fast‑paced and dynamic environment. /li /ulh3Benefits /h3ulliPrivate health care insurance /liliFlexitime and Summer Schedule /liliBirthday off as a paid holiday /liliFlexible compensation plan: travel, meals childcare /liliSubsidized catering /liliSpanish, English, and Portuguese language lessons /liliAdditional internal and external trainings through our EXOGROUP University program /liliAccess to quality training through Udemy platform /liliTraining budget and study leave /liliSubsidised gym /liliCalm app subscription /liliEmployee referral program - Earn 2500 Euros by referring someone /liliMonday team breakfast /liliDaily organic fruit /liliFree weekly yoga classes /liliHybrid remote work /li /ulpThe companies that are part of EXOGROUP are the data controllers regarding your personal data, in order to consider your application for present or future vacancies in our organization. For more information about the processing of your personal data and how to exercise your rights of access, rectification, suppression, limitation, portability and opposition please visit the Protection Informative Clause Candidates. /p /p #J-18808-Ljbffr
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