Card Risk Operations Lead

Established in 2018, Bybit is one of the world's leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance.

Responsibilities

Monitor real-time and post-transaction card activity (CNP, card-present, ATM, tokenised wallets) and act on fraud alerts within SLA; Investigate suspicious accounts and transactions: account takeover, card testing, BIN attacks, merchant collusion, friendly fraud and first-party abuse; Make block, decline, step-up and card-lifecycle decisions; escalate linked AML/sanctions concerns to Compliance; Manage disputes and chargebacks end to end under Visa/Mastercard rules: evidence, representment, pre-arbitration and arbitration; Tune fraud rules and velocity limits with the issuer-processor (e.g. Marqeta, Adyen, Thredd, Nium) and fraud tooling; measure false positives against loss; Track and report KPIs: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, recovery rate; Keep the programme within scheme monitoring thresholds (e.g. VAMP, ECM/EFM) and support scheme and partner audits; Write and maintain playbooks, SOPs and QA checks; train Support on fraud-related customer contacts; Feed fraud trends back to Product and Engineering to improve onboarding, 3DS and authorisation controls

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

Benefits

Study Growth Fund: professional development and continuous learning support; Internal Events: regular team-building activities, workshops, and events; Global Collaboration: diverse, international team; Career Advancement: opportunities for growth within a rapidly expanding global company; Internal Mobility: internal job opportunities to build your career path