Fraud Risk Analyst - Mandarin Speaking (HK Crypto Finance, WFH)

As a Fraud Risk Analyst at ConnectOS, you join our risk management team to identify fraud and risk patterns across card-based payment flows, design and optimize risk control strategies, and investigate suspicious activities. You work closely with product, engineering, compliance, banking partners, and card networks to protect the business and its customers. You bring experience in payment risk, fraud prevention, or financial crime operations within crypto exchanges, Web3 payment platforms, cross-border payments, or payment anti-fraud environments, alongside strong data analysis skills, deep knowledge of card payment risks, and fluency in both Mandarin and English.

What you'll do

• Identify risk patterns in card-based deposit and withdrawal flows using transaction and user behaviour data, including fraud, cash-out abuse, stolen card, card-not-present (CNP) fraud, and malicious chargebacks; produce risk analysis reports.
• Independently design, deploy, and tune risk control strategies such as blacklists, whitelists, rule engines, and risk scoring, covering application-level anti-fraud, transaction-level anti-fraud, and account risk monitoring.
• Conduct in-depth analysis of suspicious transactions and organised fraud rings, and translate findings into playbooks that feed back into strategy improvements.
• Continuously monitor core metrics such as strategy hit rate, false-positive rate, and fraud loss rate, with regular reviews and iteration.
• Work closely with product, engineering, compliance, customer support, banks, and card networks to drive risk issues through to resolution.

What you bring

• 2+ years of relevant risk control experience, with hands-on experience in at least one of: crypto exchanges, Web3 payment platforms, cross-border payment platforms, or payment anti-fraud platforms.
• Familiarity with risk points across the card deposit and withdrawal chain, including 3DS, chargebacks, cash-out abuse, stolen card, and CNP fraud.
• Familiarity with risk control logic for prepaid and virtual card issuance, including application anti-fraud, transaction monitoring, and money laundering detection.
• Ability to independently design and implement risk strategies with a quantitative mindset around measuring strategy effectiveness.
• Data sensitivity with clear logical thinking and the ability to spot risk patterns within large datasets.
• Self-driven approach; able to independently push issues to resolution rather than relying on being assigned tasks.
• Resilience under pressure and the ability to respond to sudden risk events.
• Proficiency in SQL with the ability to independently extract and analyse data.
• Fluency in both Mandarin and English (spoken and written).

Nice to have

• Experience with Python and/or BI tools such as Tableau or Metabase.
• Experience applying risk models and machine learning.
• Familiarity with major card network rules such as Visa VAMP and Mastercard Excessive Chargeback Program.
• Knowledge of overseas regulatory frameworks such as MSB, MiCA, and VASP.

What we offer

• Permanent work from home arrangement
• Medical, dental coverage and life insurance from day 1 of employment
• Paid vacation and sick leave with quarterly sick leave conversion
• Competitive salary package and annual appraisal
• Financial assistance program
• Mandatory government benefits and 13th month pay
• Complimentary sleeping quarters and coffee
• Complimentary office fitness and wellness facilities
• Regular company events, work-life balance, and career growth opportunities

About ConnectOS

ConnectOS is certified as a Great Place to Work and is a top-rated Philippines employer of choice, serving the crypto finance and Web3 payment sectors.