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Head of Card Payments Risk

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Τύπος: Πλήρης Απασχόληση

ISX Financial EU Plc is a leading financial technology company that provides secure and efficient payment solutions. We are looking for talented individuals to join our team and help us continue to innovate in the fintech industry.

As an Electronic Money Institution licensed by the Central Bank of Cyprus, we offer a wide range of financial services, including payments, e-money issuance, and identity verification. Our advanced anti-fraud and anti-money laundering systems ensure the highest level of security for our customers.

We are a global company with offices in multiple countries, and our team is committed to delivering exceptional customer service and innovative solutions.

Join us and be part of a team that's shaping the future of finance.

The Role

We are seeking an experienced and strategic Head of Card Payments Risk with a deep expertise in both card issuing and acquiring. The role will lead and optimize our card payments risk across operational, compliance, and fraud dimensions, ensuring the organization aligns with industry standards and delivers secure, efficient services to its stakeholders.

The successful candidate will be responsible for the risk management framework for card issuing and acquiring, ensure compliance with scheme requirements, and guide the company’s approach to fraud prevention and chargeback management. The role also includes training and collaboration with Customer Support teams to enhance card-related operations and dispute resolution processes.

Responsibilities

1. Strategic Leadership

  • Develop and execute the company’s card payments risk strategy, ensuring alignment with overall business objectives and risk appetite, and customer service.

  • Drive innovation in card fraud prevention and risk solutions to improve operational efficiency and customer satisfaction.

  • Lead cross-functional efforts to implement risk strategies that support card issuing/acquiring and market growth.

  • Monitor and proactively manage emerging risks in the card payments ecosystem.

    2. Card Issuing and Acquiring

  • Oversee the card issuing and acquiring operations with respect to Risk, Fraud and Chargebacks for card programs, ensuring effective oversight of the entire card ecosystem.

  • Manage relationships with key stakeholders such as card networks, processors, and third-party service providers ensuring that all transactions align with compliance requirements and internal risk strategies.

  • Monitor scheme rules updates, assess their impact on operations, and providing training and updates to relevant teams.

  • Ensure compliance with high-risk merchant category codes (MCCs) and implement risk mitigants (e.g., rolling reserves, delayed settlement periods).

    3. Risk and Compliance

  • Develop and maintain fraud risk frameworks specific to card issuing/acquiring, including fraud-to-sales ratios and chargeback monitoring.

  • Collaborate with IT, Compliance, and the CISO to ensure PCI DSS compliance and robust cardholder data protection.

  • Establish processes for detecting and managing emerging fraud patterns (e.g., smishing, phishing, synthetic identities).

  • Regularly review and assess card scheme compliance, ensuring readiness for scheme audits and minimizing the risk of enhanced monitoring programs.

    4. Financial Management and Reporting

  • Track card payment KPIs, including chargeback ratios, fraud detection rates, and compliance-related costs.

  • Develop early warning systems to identify and address issues related to fraud and chargeback thresholds.

  • Provide detailed reporting on fraud trends and scheme compliance performance to senior management.

    5. Team Leadership and Development

  • Foster a culture of continuous improvement, innovation, and collaboration within the organization.

  • Establish training programs for Customer Support staff to handle card disputes and fraud escalations

    effectively.

    6. Market Analysis and Industry Trends

  • Stay updated on the latest card payment industry trends and advancements, particularly around fraud detection, scheme rules, and compliance innovations.

  • Analyze market conditions, customer behaviors to refine the company’s card risk strategy.

    Qualifications

  • Bachelor’s degree in Finance, Business, Technology, or a related field. Master’s degree or equivalent is a plus.

  • 10+ years of experience in the card payments industry, with a strong focus on card issuing and acquiring.

  • Proven experience in managing relationships with card networks (e.g., Visa, Mastercard), and third-party providers.

  • Deep understanding of the regulatory and compliance landscape (e.g., PCI-DSS, PSD2, AML/KYC).

  • Demonstrated expertise in fraud prevention and chargeback management, including developing and implementing effective risk frameworks.

  • Experience with payment platforms, fraud detection technologies, and machine learning applications in fraud prevention

  • Strong leadership skills with a proven track record in mentoring high-performing teams.

  • Excellent problem-solving, communication, and stakeholder management skills.

Benefits

  • Private health insurance plan fully sponsored by the company from day one

  • 21 days of Annual Leave (reaching up to 30 days per year based on years’ service)

  • Birthday leave

  • Happy hour every Friday

  • Benefits card with exclusive discounts to shops, restaurants, private school etc

  • Sports Benefit participation scheme ( Platinum Package)

  • Employee Referral bonus

  • Internal cafeteria with barista, unlimited snacks, fruits, drinks

  • Performance Bonus

  • Employee wellness application ( mental, financial, nutritional )

  • Gaming Corner

Apply now: Head of Card Payments Risk

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Please note that our company works with recruitment agencies on a pre-approved basis only. A recruitment agency that wishes to submit candidate profiles or resumes for consideration must obtain prior written consent from our HR team.

We do not accept unsolicited resumes from recruitment agencies, and we will not be responsible for any fees related to unsolicited CVs.

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