We’re looking for an Acquiring Risk Fraud Analyst to join our team in the Tallinn office. This role is a unique opportunity to have an impact on Wise’s mission , grow as an analyst, help save millions more people money and work in a disruptive, fast-growing and fun environment. Your mission:  Wise has already pioneered new ways for people to transfer money across borders and currencies. Our customers can also manage their hard-earned money with the world’s first platform to offer true multi-currency banking and convenient business solutions . We have an awesome operational team handling Acquiring chargebacks; a unified team that works very closely with our dedicated engineering and product teams. As a Acquiring Risk Fraud Analyst, you get to support your team’s operational success and bring your expertise to upscale the domain; driving detection and prevention focused initiatives with long-lasting impacts will be part of your daily work.  Here’s how you’ll be contributing to Acquiring Risk team:  Acquiring Fraud Prevention and Risk Management: Protect our Wise merchants from fraud chargeback losses Protect Wise from first party merchant fraud Proactively analyse merchant dispute trends and identify gaps in the acquiring fraud prevention rulesets in the pre-authorisation and post-authorisation flows. Acquiring fraud rule creation and optimisation to mitigate the impact of acquiring fraud on the following: Dispute rates (scheme compliance & fees) Chargeback loss rates (product cost) Wise merchant experience (rule precision) Understand and implement machine learning scores within static fraud rules to improve rule precision and recall. Contributing to longer term projects targeted at acquiring fraud reduction. Working with Acquiring Product and Engineering teams on rule engine improvements, and optimising the acquiring fraud customer journey from rule declines to rule alerts and dispute processing. Serve as a point of escalation for all things acquiring fraud prevention related to customer facing Ops teams. Effective communication and teamwork skills Able to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders Able to present learnings and acquiring fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed. Incident Management Providing data and relevant insights to all stakeholders for the purposes of incident management Escalating risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders