Fraud Specialist for Acquiring

Guru Pay is an Electronic Money Institution (EMI) based in Lithuania, with a mission to deliver personalized, boutique financial services to B2B, B2C, and C2B customers. Our team is compact, highly ambitious, and driven by our shared values of ownership, transparency and mutual trust and respect.

We are looking for a Fraud Specialist for Acquiring to monitor transaction activity in real time and protect our merchant portfolio from payment fraud. The role is responsible for investigating suspicious transactions, managing fraud rules and scoring, monitoring Visa and Mastercard fraud programs, identifying emerging fraud trends, reviewing high-risk merchants, and leveraging transaction, device, and behavioural data to optimize fraud prevention while minimizing false positives.

What will you do:

• Monitor transaction activity in real time and investigate unusual activity, including card testing, BIN attacks, velocity spikes, and exceptional merchant behaviour.
• Build, optimize, and maintain fraud rules and scoring models, ensuring the right balance between fraud prevention and minimizing false positives.
• Review fraud alerts, conduct investigations, and fine-tune rules and thresholds using fraud monitoring tools.
• Monitor Visa and Mastercard fraud monitoring programs, ensuring merchants remain within acceptable fraud thresholds.
• Analyze transaction, fraud, and chargeback data to identify emerging fraud patterns, trends, and potential threats.
• Identify and escalate high-risk merchants, recommending appropriate risk mitigation measures.
• Prepare regular reports on fraud volumes, losses, chargebacks, rule performance, and key fraud drivers.
• Leverage 3D Secure (3DS), device intelligence, and behavioural signals to support fraud decisioning and recommend improvements to fraud controls.

What we expect:

• Minimum 2 years experience in fraud monitoring, transaction risk, or payment fraud, ideally within an acquiring bank, PSP, EMI, or payment processing environment.
• Strong understanding of payment fraud typologies and the ability to distinguish genuine fraud attacks from normal transaction activity.
• Hands-on experience designing, maintaining, and optimizing fraud rules and scoring strategies.
• Strong analytical skills with the ability to interpret transaction and fraud data to identify trends and recommend improvements.
• Excellent written and communication skills in Lithuanian and English, with experience preparing reports and collaborating across teams.
• Strong time management, work organization and multi-tasking skills.
• To see you at the office 4 time per week.

What will you get:

• A salary up to 3500 EUR Gross (negotiable based on experience).
• 2nd pillar pension coverage.
• Encouragement and budget to support your professional development and certifications.
• Extra vacation day on your birthday.
• A brand new office space in Vilnius with a comfortable work setting.
• Regular events, workations, health challenges, and other team initiatives.
• An ambitious team, focused on compliance and efficiency with an experienced leader who cares.