RISK & FRAUD PREVENTION SPECIALIST

Who we are?   There’s a fintech revolution underway in Mexico, and Clip is leading the way! Clip is the leading platform for digital payments and financial solutions.
We were born with the idea that all businesses in Mexico should have the opportunity to access the latest innovation in financial technology, driven by #ElPoderDeClip.
Being part of Clip will make you proud.
You will work in what you are passionate about within a talented community, in a safe space where you can be your best self and where growth means constant learning.
The Role   We are looking for a R & FP Specilist who will be part of this amazing and fast – growing Fintech.
At Clip this candidate will be a key member of the Risk & Fraud Prevention with responsibility to deploy Risk & fraud Prevention strategies and capabilities to ensure delivery on app rate and fraud loss targets while managing customer experience.
S/He will participate in the development and validation of data science and machine learning models and their implementation.
This person should thrive in a culture of decision based on analytics and Data Science, be able to step-back and communicate both the strategy and immediate implications on priorities.
This candidate must have strong written and verbal communications skills in both English and Spanish and be willing to continue learning and loving Analytics, Machine Learning and Data Science.
What will I be doing?   Develop and implement comprehensive fraud prevention strategies, fraud analysis, implementation and monitoring of ML models and business rules that balance app rate, fraud loss, cost of execution, and customer experience.
Identify risk factors and trends of potentially fraudulent activity utilizing technical data analysis and statistical interpretation.
Extract and analyze data, investigate data integrity, generate metrics, and perform data and portfolio analysis.
Generate fraud metrics to show the performance of fraud systems for use in management reporting.
Analyze root cause to identify opportunities to predict, prevent and mitigate risk within processes and performance.
Partner with Data Science, Engineering, Product, Operations, and Business teams to conceive, design, and monitor fraud strategies to mitigate fraud risk in the most precise manner possible; recommend which product features to build and why.
Utilize advanced data and analytics tools to establish a metrics driven approach to optimize existing fraud strategies, in order to reduce false positive rates and increase fraud detection rates.
Identify gaps in current systems, policies and strategies and take actions to mitigate emerging fraud risks with guidance from managers.
Collaborate and partner with internal business stakeholders to promote fraud related awareness and effect change - through the coordination of fraud detection monitoring of system enhancements and trends.
Ideal Candidate    At least 3 years of fraud and risk management and prevention, experience with traditional and non-traditional payments companies.
Bachelor’s Degree in Finance, Mathematics, Actuary or Statistics and strong quantitative analytical experience, including background with statistical modeling & analysis.
Extensive knowledge of card-not-present (CNP) and card-present (CP) fraud schemes in Mexico and Latin America, their risk prevention methods and the detection tools for all types of environments.
Has a deep understanding of the online payments landscape across all participants – issuer, merchant, acquirer and network.
Has the ability to analyze large transactional datasets, interpret ambiguous situations, and work in a high growth and vibrant work environment.
Proficient in data analysis tools like SQL, Databricks, R, phyton, looker, Sigma, etc.
Experience mitigating online fraud not only related to payments, such as account takeover, phishing, online card testing, merchant fraud, buyer fraud, etc.
Creative problem solver and team-focused; can synthesize information and make clear, concise recommendations on a course of action, and rally teams and stakeholders alike.
Proven knowledge on risk analytics (Credit and fraud prevention), in the financial industry (preferably in credit cards).
Excellent written and verbal communication with ability to create clear and concise summary documents of ongoing processes and provide detailed instructions to team members.
Ability to analyze complex situations and provide guidance, make recommendations, and/or escalate arising issues timely.
Strong organization skills and ability to handle multiple projects efficiently in order to ensure projects are completed timely.
Able to interact and communicate effectively with all management levels to assess business needs in a professional manner.
Clip was born with the genuine idea of financial inclusion and this has been our way of living ever since.
In Clip, we are committed to a diverse and inclusive workplace.
Clip does not discriminate on any basis of origin, gender identity, sexual orientation, race, disability, age or other legal status.
Clip is an equal opportunity employer.
If you are unstoppable, creative and have the skills we need, we want to hear from you!