Merchant Acquiring Fraud Analyst (2nd LoD)

Location: Spain; Poland; Netherlands; Cyprus Workplace: remote About Finom   Finom is a European tech startup headquartered in Amsterdam, and we’re on a journey towards revolutionizing the financial landscape for entrepreneurs worldwide. Our mission is to develop an all-in-one financial B2B solution that integrates banking functions, accounting, financial management, and invoicing into a seamless, mobile-first platform.   We recently closed a €115 million Series C equity round (around $133 million), bringing our total funding to approximately $346 million. This significant investment follows a $105 million growth funding round from General Catalyst, a long-term backer since 2021 known for supporting companies like Airbnb, HubSpot, KAYAK, and Stripe.   Finom's platform goes beyond traditional banking, offering invoicing and a growing suite of features, including AI-enabled accounting, aiming to simplify financial management for entrepreneurs. We're actively expanding our reach across key EU markets like Germany, France, the Netherlands, Italy, and Spain.   At Finom, we’re not just redefining the entrepreneurial experience — we’re empowering our employees to make a real difference. Your work matters, and your impact extends far beyond product metrics. We nurture innovation and an inspiring work environment where bold ideas thrive, prioritizing thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and our business as a whole.   Maintaining our start-up spirit, we prioritize thorough research, swift implementation of solutions, and ensuring that every effort we make benefits our users, employees, partners, and, of course, our business. Location: fully remote  Employment contract by Finom in Spain/Poland/Cyprus/Netherlands Other countries within European time zones as B2B freelance agreement  About the Role We are looking for a highly motivated Acquiring Fraud Investigator to join Finom Payments’ Second Line of Defence within the Financial Crime Risk Management Function This role sits in the Fraud Risk Management function, reports to the Fraud Risk Manager and is responsible for identifying and analysing the risks, as well as designing, monitoring, and challenging the effectiveness of Finom’s fraud controls, with a strong focus on acquiring fraud risks such as merchant abuse, friendly fraud, chargebacks, and card schemes compliance risks. You will play a key role in building and continuously improving Finom’s fraud risk framework, ensuring fraud rates remain within risk appetite without compromising growth or customer experience. What You Will Get In Return   Make a genuine impact on the product   Join our upward trajectory, and grow with us. We provide the resources and opportunities for continuous personal and professional development, empowering you to make a genuine impact on our evolving product.   Work in the EU   Embark on this exciting journey with us and enjoy the flexibility of traveling and working remotely or in a hybrid model across Europe.   Become a stock options holder   Unlock your inner entrepreneur and align your aspirations with ours through our Stock Options Program. This exciting opportunity is available to every team member, from junior team members to our founders.   Receive unwavering support and care   Finom stands by you at every step, embodying our commitment to your well-being and success reflected in our modern, friendly, and eco-conscious corporate culture. We offer constant support and care to ensure your Finom experience is successful and fulfilling.   Work & Swim program   Immerse yourself in our exclusive Work & Swim Program. Spend one month in a comfortable corporate apartment in enchanting Cyprus. It's the ideal opportunity to strike the perfect work-life balance while enjoying breathtaking Mediterranean views.   Equal Opportunity Statement    At Finom, we're an equal opportunity employer and value diversity at our company. We embrace diversity and invite applications from all walks of life. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, disability status, or other applicable legally protected characteristics.