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Risk & Fraud Strategy & Operations Lead

Amsterdam, Noord-Holland, NetherlandsPayments

Job description


Join Recharge, a global leader in online prepaid payments. Our mission is clear: "Make Prepaid Easy".

We operate in over 180 markets worldwide and process millions of transactions annually. With a powerful global network of digital marketplaces, we serve businesses and consumers with over 16,000 products from brands such as Google, Nintendo, Netflix & Ikea.

Established in 2010 and headquartered in Amsterdam, with a secondary office in Eindhoven and a hub office in Lisbon, where over 38 nationalities work together.

We're backed by Prime Ventures, Smartfin, Committed Capital, and BlackRock.We're rapidly growing, acquiring our competitors, highly entrepreneurial, and ambitious in our pursuit of market leadership.

If you're seeking a role that combines innovation, ambition, and transformation in the prepaid payments industry, click "apply" and join our exciting journey!

The role💡

You will be responsible for developing the Risk and Fraud strategy and defining the roadmap with the Product Managers and the Director of Payments & Risk to drive innovation and new initiatives for the Fraud prevention platform and framework.

You will lead a team of Fraud Analysts, responsible for rules configuration, projects, performance monitoring and data analysis with a consistent focus on priorities, KPI's and execution of the strategy.

You are the key linking pin between multiple internal teams and external suppliers. You will be accountable for the Fraud Ratio and Approval Rate, as well as share the accountability for the Fraud Chargeback result on the P&L.

Job requirements

Your new team

We’re looking for a talented & Ambitious Risk and Fraud Lead who will report to our Director of Payment and Risk Manoj Kheerbat and you will have 3 fraud analysts reporting to you.

Responsibilities and Duties🤔


  • Responsible for Recharge end-to-end Fraud prevention framework and process (purchase, chargeback defense, and investigations)

  • Define, implement and execute the Fraud Risk strategy

  • Responsible for mitigating fraud and abuse

  • Work with cross-functional teams to deliver financial and customer experience-related goals by designing and implementing fraud prevention policies

  • Maintain open communication and develop a good working relationship with Internal and external stakeholders, such as Fraud Risk Management technology partners, acquirers, issuers and payment processing partners

  • Ensuring the readiness of our Fraud prevention platform and framework aligned with Recharge's Global expansion, new products and ambitions

  • Stay up to date with the latest fraud trends by attending webinars, and congresses and actively engaging with industry platforms and networks.


  • Lead initiatives to continuously improve Fraud- and Approval rates to drive commercial results

  • Manage and lead the Fraud analysts team. Provide growth opportunities, build on strengths, challenge team members to develop by providing continuous feedback

  • Identify root causes of problems related to Fraud prevention and take ownership to have the team work collaboratively toward solutions

  • Keep the chargebacks and notifications of fraud under control and out of the monitoring programs.

  • Build compelling business cases to support new initiatives and get them prioritized on the roadmap

  • Monitor key metrics to derive insights and identify opportunities

  • Provide reviews on the performance to the Management Team

  • Analytical thinker that can interpret and manipulate data & experience with data visualization tools (like Tableau and Power BI)

What you have💪🏻

  • The ideal candidate has at least 3+ years of experience in fraud prevention or risk management, ideally with 2+ years of management experience in the e-commerce space

  • Knowledge of schemes’ fraud and chargeback regulations

  • Very strong analytical, quantitative and critical thinking skills

  • Ability and preference to take ownership, entrepreneurial, proactive with positive attitude, a self-starter who can manage multiple initiatives/priorities at once with a strong commercial sense

  • Team player with strong interpersonal, relationship-building, and stakeholder management skills

  • Excellent organisational and communication skills, attention to detail and analytical reasoning

  • A MSc in a analytical field, such as Data Science/ Analytics, Engineering, Mathematics/ Statistics or Econometrics

What we offer🥳

  • 30 days of holiday, a great pension scheme, and one of the best relocation packages in Amsterdam

  • Flexible working hours and an office overlooking the Amstel

  • Macbook Pro or Windows Laptop

  • Budget for noise-cancelling headphones, travel to and from the office, working-from-home and self-learning

  • Free healthy breakfast, lunch and snacks by our in-house chef

  • Free Dutch classes to help out with daily life in the Netherlands

  • Regular parties, celebrations and other events

Don’t meet every single requirement? At Recharge we are dedicated to building a diverse, inclusive and authentic workplace, so if you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right candidate for this or other roles.

The process⚙️

1. Apply: Want in? Let us know! Apply for a role and help us get to know your best self.

2. Phone interview: One of our recruiters will get in touch to help you both understand if Recharge is the right next move for you

3. First interview: You’ll meet with your future line manager (either in person or online) and someone from HR to talk about you, our culture, and whether you're a fit for the job

4.Assignment & Second interview: Some roles involve a case study. Great! It’s your chance to shine and show us you have what it takes. You’ll present your case study to the Hiring Manager and someone from the team

5. Third Interview: You’ll meet with a key member of the management team

6. Offer: You did it! There are only a few tickets available, and this one has your name on it. Welcome to the team.

Find out more about our company culture, values and big wins at and our Instagram Page on Lifeatrecharge or meet some of our team in the video below.

Proactive acquisition from 3rd parties is not appreciated.