Acquiring Fraud Investigator; 2nd LoD

About Finom

Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.

We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long‑term backer since 2021 known for supporting companies like Airbnb, Hub Spot, KAYAK, and Stripe.

Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI‑enabled accounting, aiming to simplify financial management for entrepreneurs. We’re actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.

At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.

We are looking for a highly motivated Acquiring Fraud Investigator to join Finom Payments’ Second Line of Defence within the Financial Crime Risk Management Function. This role sits in the Fraud Risk Management function, reports to the Fraud Risk Manager, and is responsible for identifying and analysing the risks, as well as designing, monitoring, and challenging the effectiveness of Finom’s fraud controls, with a strong focus on acquiring fraud risks such as merchant abuse, friendly fraud, chargebacks, and card schemes compliance risks.

You will play a key role in building and continuously improving Finom’s fraud risk framework, ensuring fraud rates remain within risk appetite without compromising growth or customer experience.

Acquiring Fraud Risk & Scenario Development

• Analyse internal data sources (alerts, chargebacks, disputes, anomaly reports, ML models) and external trends (card schemes, partners, law enforcement, industry intelligence) to identify emerging fraud risks related to acquiring business.
• Translate observed patterns into well‑defined acquiring fraud scenarios, covering areas such as Card‑Present and Card‑not‑present fraud, friendly fraud and dispute abuse, merchant fraud, transaction laundering, enumeration and testing attacks.
• Maintain and continuously enrich the Acquiring Fraud Typology Library, aligned with scheme rules, regulatory expectations, and Finom’s risk appetite.
• Work closely with the Fraud Risk Manager, product, engineering, and ML teams to ensure correct translation of acquiring fraud scenarios into rules, thresholds and controls as well as machine‑learning features and signals.
• Participate in back‑testing, validation, and tuning of acquiring fraud controls prior to production release.
• Monitor performance metrics (fraud rate, chargeback ratio, false positives, merchant friction) and propose optimisation actions.
• Act as a Second Line challenger, providing independent oversight of acquiring fraud risk decisions taken in the First Line.
• Support scheme‑related topics such as Visa / Mastercard monitoring programmes, dispute ratios, and remediation actions.
• Establish proper stakeholder management with product teams, risk management, quality assurance and operations teams.
• Develop training materials and guidance for acquiring fraud analysts, dispute teams, and QA.
• Assist in drafting and reviewing system requirements, procedures, and internal policies related to acquiring fraud prevention.
• Actively participate in process improvement initiatives and ad‑hoc projects within the Financial Crime Risk Management function.
• Perform other duties as reasonably required to support the operational efficiency and fraud loss prevention of…