Card Risk Strategy Specialist

Bybit is hiring a Card Risk Strategy Specialist in Abu Dhabi, United Arab Emirates. Level rates it ; you can apply on Bybit.

Level's read on this job

Little AI ●○○○ is how Level rates this role: aI is not part of the work.
Bybit has 150 other open roles on Level.

AI in this role

About Us

Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance. Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution. Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services. Role Overview This is a hands-on, full-cycle role that owns the whole fraud control loop: investigate, analyze, set up rules, monitor, and improve. You will work tickets daily, turn what you find into data-backed fraud rules and strategies, monitor how they perform, and keep refining them. Each stage feeds the next. You will own the card risk control strategy, from set-up through ongoing performance, and be accountable for the fraud rate and the interception rate. Key Responsibilities 1. Investigation

Handle card risk tickets daily: review rule-triggered alerts, investigate suspicious accounts and transactions, and decide on block, decline, step-up, or card-lifecycle actions within SLA
Investigate fraud typologies: account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse
Assess merchant and transaction risk by MCC risk type, including high-risk merchants and non-card payment flows
Manage disputes and chargebacks end to end under Visa/Mastercard rules: evidence, representation, pre-arbitration, and arbitration

2. Data Analysis

Turn investigation findings into patterns: analyze ticket, alert, and transaction data to identify fraud trends, attack vectors, and coverage gaps
Measure false positives against loss to judge whether existing rules are effective

3. Rule Set-up

Design and set up fraud rules, velocity limits, and strategies based on the analysis
Make sure rule triggers and decisions stay compliant; escalate linked AML/sanctions concerns to Compliance

4. Rule Monitoring

Continuously monitor alert and ticket data after rules go live
Track and report KPIs: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, recovery rate
Keep the programme within scheme monitoring thresholds (e.g. VAMP, ECM/EFM) and support scheme and partner audits

5. Rule Improvement

Adjust, retire, and add rules in response to monitoring results, balancing fraud loss against false positives and approval rate
Feed fraud trends back to Product and Engineering to improve onboarding, 3DS, and authorisation controls

Requirements

3+ years in card fraud strategy or payments risk at an issuer, EMI, neobank, PSP, or card programme manager
Proven hands-on experience building and tuning fraud rules and strategies, not only working tickets
Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines
Experience with MCC-based risk, high-risk merchants, and non-card payments
Strong data skills: SQL and Excel/Sheets to pull, slice, and explain fraud trends
Fluent English; Mandarin or other European languages are a plus

Nice to Have

Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorisation
Card risk control experience across multiple countries/regions
Experience launching a card programme in a new market or with a new BIN sponsor
Scheme monitoring programme remediation experience
Python or BI tooling (Looker, Tableau, Metabase)
Certifications: CFE, ACAMS, or equivalent

Why Join Us
At Bybit, we are committed to fostering a supportive and enriching work environment.
Our benefits include:
- Study Growth Fund: We support your professional development and continuous learning.
- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
- Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.

How we rate this

Card Risk Strategy Specialist at Bybit rates 36 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.

Classification

Little AI. AI is not part of the work.

●●●● Builds AI80 to 100
●●●○ Works on AI60 to 79
●●○○ Uses AI40 to 59
●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Read the description and count the AI tools, models and workflows it names.