Risk Analyst (SQL), Card Payment Fraud

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, Web3 features, and more. We leverage the power of digital assets and blockchain to build an inclusive financial ecosystem to advance the freedom of money and improve financial access for people around the world.

About the Role We are seeking a Fraud Risk Analyst, Card Payment to protect our card issuing business by identifying, analyzing, and intercepting fraudulent card transactions in real time. You will sit on the issuer side of the payments ecosystem, working at the intersection of transaction monitoring, rule strategy, and fraud investigation to minimize losses while preserving a smooth experience for legitimate cardholders.The ideal candidate has hands-on experience with issuer or card processor systems and a deep understanding of how card authorization, clearing, and settlement flows work end to end.

Responsibilities:

• Real-time transaction monitoring: Monitor card authorization flows and flag suspicious activity across debit/credit card portfolios.

• Fraud rule strategy: Design, test, tune, and deploy fraud detection rules and risk scoring strategies at the authorization (auth) decision point — balancing fraud capture rate against false-positive / decline rates.

• Investigation & case management: Investigate suspected fraud cases (account takeover, counterfeit/cloned cards, stolen card, CNP fraud, first-party/friendly fraud), determine root cause, and take action (block, step-up, decline).

• Loss & performance analysis: Track fraud losses, chargeback rates, approval rates, and key risk KPIs; produce dashboards and reporting for management.