• Detect, triage, and respond to fraud attacks (e.g., card testing, account takeover, refund/chargeback abuse, synthetic identity) using internal and external tools • Own incident response for risk events: contain, investigate, document, and drive remediation; participate in on-call/escalation coverage as needed • Perform high-judgment investigations and make consistent allow/deny/hold decisions for transactions, accounts, and partner activity • Build decision frameworks and escalation paths that balance fraud loss, customer experience, and regulatory/compliance constraints • Own dispute operations end-to-end, including the “minutiae”: monitoring and responding to dispute inquiries/alerts, customer communications, evidence gathering, representment submission, and deadline management • Maintain clean case notes and audit trails; ensure timely, accurate responses that maximize win rate while minimizing customer friction • Analyze dispute reason codes and inquiry drivers; implement prevention tactics (policy/process changes, product nudges, data sharing with Support/Ops) to reduce repeat disputes and friendly fraud • Define and track core risk metrics (fraud loss, net loss, chargeback rate, approval rate, manual review rate, false positives, backlog health) • Build reporting and propose/implement controls: velocity rules, blocklists/allowlists, step-up verification, 3DS/issuer strategy (where applicable), and policy updates • Work closely with Product/Engineering/Data to translate patterns into tooling and product changes (signals, rules, internal admin tools, case management) • Manage external relationships as needed (processors/acquirers, fraud vendors, card networks/issuers) and drive to underlying fixes, not just band-aids