Card Risk Operations Lead

About the role

Bybit is seeking a Card Risk Operations Lead to monitor and manage card‑related fraud, disputes and risk across its fiat team. You will work closely with issuers, processors and internal teams to protect the platform and its users.

Key responsibilities

• Monitor real‑time and post‑transaction card activity (CNP, card‑present, ATM, tokenised wallets) and act on fraud alerts within SLA.
• Investigate suspicious accounts and transactions, including account takeover, card testing, BIN attacks and friendly fraud.
• Make block, decline, step‑up and card‑lifecycle decisions; escalate AML/sanctions concerns to Compliance.
• Manage disputes and chargebacks end‑to‑end under Visa/Mastercard rules, handling evidence, representment and arbitration.
• Tune fraud rules and velocity limits with issuer‑processors (e.g., Marqeta, Adyen) and measure false positives against loss.
• Track and report KPIs such as fraud loss rate, chargeback ratio, approval rate and alert handling time.

Required profile

• 3+ years in card fraud operations, disputes or payments risk at an issuer, EMI, neobank, PSP or card programme manager.
• Hands‑on knowledge of Visa and/or Mastercard dispute rules, reason codes and chargeback timelines.
• Practical experience with card fraud typologies and controls (3DS/SCA, velocity rules, device and behavioural signals, tokenisation).
• Understanding of PSD2 and EU/UK payments regulation.
• Fluent English.

Required skills

• SQL for data extraction and analysis.
• Advanced Excel/Sheets skills.
• Experience with fraud and case‑management tools (e.g., Featurespace, Sardine, SEON, Feedzai).
• Familiarity with Visa/Mastercard dispute processes.

What we offer

• Study Growth Fund for professional development.
• Regular internal events, workshops and team‑building activities.
• Opportunities for global collaboration and career advancement within a fast‑growing company.