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 19th, 2026.

In your cover letter, please answer the following questions: 

1. Do you think that customer experience should be considered as a part of the detection rule approval criteria? And why?

2. 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.