Card Risk Operations Lead

Responsibilities

• Monitor real-time and post-transaction card activity and act on fraud alerts within SLA
• Investigate suspicious accounts and transactions including account takeover, card testing and friendly fraud
• Make block, decline, step-up and card-lifecycle decisions; escalate AML/sanctions concerns to Compliance
• Manage disputes and chargebacks end to end under Visa and Mastercard rules
• Tune fraud rules and velocity limits with the issuer-processor and fraud tooling
• Track and report KPIs such as fraud loss rate, chargeback ratio and approval rate
• Keep the programme within scheme monitoring thresholds and support audits
• Write and maintain playbooks, SOPs and QA checks; train Support on fraud-related contacts
• Feed fraud trends back to Product and Engineering

Requirements

• 3+ years in card fraud operations, disputes or payments risk
• Hands-on knowledge of Visa and/or Mastercard dispute rules and chargeback timelines
• Practical experience with 3DS/SCA, velocity rules, device signals and tokenisation
• Experience with fraud and case-management tools
• Strong SQL and Excel skills
• Sound judgement under time pressure; clear written investigation notes
• Understanding of PSD2 and EU/UK payments regulation
• Fluent English

Preferred Qualifications

• Crypto-linked or prepaid/debit card programme experience
• Experience launching a card programme in a new market
• Scheme monitoring programme remediation experience
• Python or BI tooling
• Certifications such as CFE or ACAMS
• Additional European languages

Benefits

• Study Growth Fund for professional development
• Internal events, global collaboration and internal mobility

About the Company

Bybit is a leading cryptocurrency exchange and digital financial platform serving over 80 million users across more than 200 countries.