{"id":2399794,"url":"https://alion.io/job/modelwise-acquiring-risk-fraud-analyst","title":"Acquiring Risk Fraud Analyst","company":{"id":4410409,"name":"Modelwise","domain":"modelwise.ai","url":"https://alion.io/company/modelwise-gmbh","size_band":"1001-5000","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Career sitemap","truth_index":{"grade":"B","score":76,"open_postings":35,"ghost_share":0,"stale_share":0.943,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-13T05:45:00Z"}},"role":"Finance","role_family":"Finance","seniority":"junior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Tallinn, Estonia"],"countries":["EE"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":20000,"max_usd":51000,"period":"year","method":"global_role_cell_scaled_by_country","sample_n":2685},"experience_years_min":1,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Incident Management","optional":false},{"name":"Machine Learning","optional":false},{"name":"Python","optional":false},{"name":"SQL","optional":false}],"status":"live","first_seen_at":"2026-10-12T06:58:04Z","employer_posted_date":"2026-10-12","last_verified_at":"2026-10-13T09:47:55Z","board_verified":true,"closed_at":null,"days_open":1,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":1},"description":"Company Description\nWise is a global technology company, building the best way to move and manage the world’s money.\nMin fees. Max ease. Full speed.\nWhether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.\nAs part of our team, you will be helping us create an entirely new network for the world's money.\nFor everyone, everywhere.\nMore about our mission and what we offer.\nJob Description\nWe’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.\nYour mission:\nWise 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 truemulti-currency banking and convenientbusiness solutions.\nWe have an awesome operational team handling Acquiring chargebacks; a unified team that works very closely with our dedicated engineering and product teams.\nAs 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.\nHere’s how you’ll be contributing to Acquiring Risk team:\nAcquiring Fraud Prevention and Risk Management:\nProtect our Wise merchants from fraud chargeback losses\nProtect Wise from first party merchant fraud\nProactively analyse merchant dispute trends and identify gaps in the acquiring fraud prevention rulesets in the pre-authorisation and post-authorisation flows.\nAcquiring fraud rule creation and optimisation to mitigate the impact of acquiring fraud on the following:Dispute rates (scheme compliance & fees)\nChargeback loss rates (product cost)\nWise merchant experience (rule precision)\n\nUnderstand and implement machine learning scores within static fraud rules to improve rule precision and recall.\nContributing to longer term projects targeted at acquiring fraud reduction.\nWorking 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.\nServe as a point of escalation for all things acquiring fraud prevention related to customer facing Ops teams.\nEffective communication and teamwork skills\nAble to explain or present your work and key ideas in appropriate terms within their team and to their immediate stakeholders\nAble to present learnings and acquiring fraud trend analysis in a clear and concise manner with the team, and assist and peers when needed.\nIncident Management\nProviding data and relevant insights to all stakeholders for the purposes of incident management\nEscalating risks sitting outside of the Acquiring Fraud domain (or appetite) to external stakeholders\nQualifications\nYour verbal and written English skills are excellent. If you speak other languages then that’s a bonus! \nYou communicate findings clearly, in writing and out loud, to both technical and non-technical audiences.\nYou have strong attention to detail, punctuality, and are comfortable taking initiatives. \nYou are good with routine but can also adapt and keep up with fast changes.\nYou are able to work independently but also know how important good team-work is.\nYou can make decisions in critical situations and have the ability to multitask.\nYou have hands-on experience with fraud prevention strategy - building rules, tuning thresholds, or running post-incident reviews.\nYou have at least 1 year of experience creating fraud rules on a risk engine\nYou are proficient in SQL, and have experience building queries extracting information from multiple data tables.\nPython is a bonus, not a requirement - if you can pull data or prototype checks in Python or a similar language, tell us.\nYour Analytical and Strategic Abilities\nAble to independently prioritise your workflows (team specific & external escalations) well, delivering quality work that resolves issues within agreed timelines. \nAble to competently think through analytical tasks and fully understand the impact of acquiring fraud rules on the Acquiring product and on our customers.\nDeliver quality analysis that addresses the business problem.\nComfortable with complexity and aware of key factors underlying a decision.\nAble to propose ideas autonomously to deflect acquiring fraud waves.\nAble to code both independently and in collaboration with other analysts, and write legible code that is usable by others. \nAble to test fraud rule conditions autonomously and troubleshoot code and risk engine related issues.\nComfortable learning new data analysis techniques and methods.\nQuestions you should regularly ask yourself:\nWhat could I do to magnify the impact of the current detection strategies? How do I stop more fraud with a similar prevention strategy?\nWhat is lacking right now with our Tools that would increase the effectiveness of our prevention strategies without causing a similar increase in customer impact?\nWhere we are today versus where we want/need to be in 6 months/12 months etc? (What Product/Scheme/Compliance changes will impact the Card Fraud Domain and potential impact on prevention strategies and how we stop Card Fraud?)\nAdditional Information\nIf you're interested in the position, please apply by submitting your CV and cover letter by October 19th, 2026.\nIn your cover letter, please answer the following questions:\nDo you think that customer experience should be considered as a part of the detection rule approval criteria? And why?\n\nHow do you think acquiring fraud detection and prevention impacts the overall company’s mission?\n\nFor everyone, everywhere. We're people building money without borders - without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.\nWe're proud to have a truly international team, and we celebrate our differences.\nInclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.\nIf you want to find out more about what it's like to work at Wise visit Wise.Jobs.\nKeep up to date with life at Wise by following us on LinkedIn and Instagram.","description_format":"text","description_chars":6531,"description_truncated":false,"requirements":{"experience_years_min":1,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[{"language":"English","level":"All levels","optional":false}]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Artificial Intelligence","Internet Services","Manufacturing","Internet Service Providers"],"lifecycle":[{"event":"open","at":"2026-10-12T23:12:51Z"}],"visa":[],"liveness":{"score":60,"band":"ok","label":"Likely open","p_open":1,"p_active":0.602,"p_room":1,"age_days":0,"expected_fill_days":17,"reasons":["conf:0","stale_co","win:early","comp:junior,brand"],"computed_at":"2026-10-13T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/modelwise-acquiring-risk-fraud-analyst","json_url":"https://alion.io/job/modelwise-acquiring-risk-fraud-analyst.json","meta":{"generated_at":"2026-10-13T13:32:03Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":20929,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-14T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":4410409},"rest":"https://alion.io/mcp/rest/get_company?id=4410409"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Fmodelwise-acquiring-risk-fraud-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Fmodelwise-acquiring-risk-fraud-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Fmodelwise-acquiring-risk-fraud-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/modelwise-acquiring-risk-fraud-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Fmodelwise-acquiring-risk-fraud-analyst"}]}