Card Risk Strategy Specialist

As a Card Risk Strategy Specialist at Bybit, you own the full fraud control loop for card payments: investigate, analyze, set up rules, monitor, and improve. You work tickets daily, turn findings into data-backed fraud rules and strategies, monitor their performance, and refine them continuously. You are accountable for both the fraud rate and the interception rate across Bybit's card risk programme serving over 80 million users.

What you'll do

• Handle card risk tickets daily: review rule-triggered alerts, investigate suspicious accounts and transactions, and decide on block, decline, step-up, or card-lifecycle actions within SLA
• Investigate fraud typologies including account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse
• Assess merchant and transaction risk by MCC risk type, including high-risk merchants and non-card payment flows
• Manage disputes and chargebacks end to end under Visa and Mastercard rules: evidence, representation, pre-arbitration, and arbitration
• Turn investigation findings into patterns: analyze ticket, alert, and transaction data to identify fraud trends, attack vectors, and coverage gaps
• Measure false positives against loss to judge whether existing rules are effective
• Design and set up fraud rules, velocity limits, and strategies based on your analysis
• Ensure rule triggers and decisions stay compliant; escalate linked AML and sanctions concerns to Compliance
• Continuously monitor alert and ticket data after rules go live
• Track and report KPIs: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, recovery rate
• Keep the programme within scheme monitoring thresholds such as VAMP and ECM/EFM, and support scheme and partner audits
• Adjust, retire, and add rules in response to monitoring results, balancing fraud loss against false positives and approval rate
• Feed fraud trends back to Product and Engineering to improve onboarding, 3DS, and authorisation controls

What you bring

• 3+ years in card fraud strategy or payments risk at an issuer, EMI, neobank, PSP, or card programme manager
• Proven hands-on experience building and tuning fraud rules and strategies, not only working tickets
• Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines
• Experience with MCC-based risk, high-risk merchants, and non-card payments
• Strong data skills: SQL and Excel/Sheets to pull, slice, and explain fraud trends
• Fluent English

Nice to have

• Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorisation
• Card risk control experience across multiple countries and regions
• Experience launching a card programme in a new market or with a new BIN sponsor
• Scheme monitoring programme remediation experience
• Python or BI tooling such as Looker, Tableau, or Metabase
• Certifications: CFE, ACAMS, or equivalent
• Mandarin or other European languages

What we offer

• Study Growth Fund to support your professional development and continuous learning
• Internal events including team-building activities, workshops, and collaboration sessions
• Access to a diverse, international team and global collaboration opportunities
• Career advancement opportunities within a rapidly expanding global company
• Internal mobility and long-term development support with opportunities to grow your career path

About Bybit

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. Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3, recognised as one of the most trusted and transparent platforms in the digital asset industry.