About the role
About Us
Established in 2018, Bybit is one of the world’s leading cryptocurrency exchanges and digital financial platforms, serving over 80 million users across more than 200 countries and regions. Powered by world-class technology and a user-first mindset, Bybit delivers a seamless ecosystem across trading, payments, wealth management, custody, institutional services, and Web3 — connecting users to the future of digital finance.
Our core values define how we build. We listen, care and improve to create products and experiences that put users first. Backed by a global team of ambitious builders, problem-solvers, and innovators, we foster a high-performance and fast-moving environment where talent is empowered to drive real impact at the global scale. Supported by 24/7 multilingual customer service and a strong commitment to innovation, we are shaping the future of finance through technology, collaboration, and bold execution.
Today, Bybit is recognized as one of the most trusted and transparent platforms in the digital asset industry, continuing to expand its global presence while building the infrastructure for the next generation of financial services.
Role Overview
This is a hands-on, full-cycle role that owns the whole fraud control loop: investigate, analyze, set up rules, monitor, and improve. You will work tickets daily, turn what you find into data-backed fraud rules and strategies, monitor how they perform, and keep refining them. Each stage feeds the next.
You will own the card risk control strategy, from set-up through ongoing performance, and be accountable for the fraud rate and the interception rate.
Key Responsibilities
1. Investigation
- Handle card risk tickets daily: review rule-triggered alerts, investigate suspicious accounts and transactions, and decide on block, decline, step-up, or card-lifecycle actions within SLA
- Investigate fraud typologies: account takeover, card testing, BIN attacks, merchant collusion, friendly fraud, and first-party abuse
- Assess merchant and transaction risk by MCC risk type, including high-risk merchants and non-card payment flows
- Manage disputes and chargebacks end to end under Visa/Mastercard rules: evidence, representation, pre-arbitration, and arbitration
1. Data Analysis
- Turn investigation findings into patterns: analyze ticket, alert, and transaction data to identify fraud trends, attack vectors, and coverage gaps
- Measure false positives against loss to judge whether existing rules are effective
1. Rule Set-up
- Design and set up fraud rules, velocity limits, and strategies based on the analysis
- Make sure rule triggers and decisions stay compliant; escalate linked AML/sanctions concerns to Compliance
1. Rule Monitoring
- Continuously monitor alert and ticket data after rules go live
- Track and report KPIs: fraud loss rate (bps), chargeback ratio, approval rate, alert handling time, recovery rate
- Keep the programme within scheme monitoring thresholds (e.g. VAMP, ECM/EFM) and support scheme and partner audits
1. Rule Improvement
- Adjust, retire, and add rules in response to monitoring results, balancing fraud loss against false positives and approval rate
- Feed fraud trends back to Product and Engineering to improve onboarding, 3DS, and authorisation controls
Requirements
- 3+ years in card fraud strategy or payments risk at an issuer, EMI, neobank, PSP, or card programme manager
- Proven hands-on experience building and tuning fraud rules and strategies, not only working tickets
- Hands-on knowledge of Visa and/or Mastercard dispute rules, reason codes, and chargeback timelines
- Experience with MCC-based risk, high-risk merchants, and non-card payments
- Strong data skills: SQL and Excel/Sheets to pull, slice, and explain fraud trends
- Fluent English; Mandarin or other European languages are a plus
Nice to Have
- Crypto-linked or prepaid/debit card programme experience, including crypto-to-fiat conversion at authorisation
- Card risk control experience across multiple countries/regions
- Experience launching a card programme in a new market or with a new BIN sponsor
- Scheme monitoring programme remediation experience
- Python or BI tooling (Looker, Tableau, Metabase)
- Certifications: CFE, ACAMS, or equivalent
Why Join Us
At Bybit, we are committed to fostering a supportive and enriching work environment.
Our benefits include:
- Study Growth Fund: We support your professional development and continuous learning.
- Internal Events: Participate in regular team-building activities, workshops, and events designed to promote collaboration and innovation.
- Global Collaboration: Be part of a diverse, international team, working alongside colleagues from around the world.
- Career Advancement: Access opportunities for growth and advancement within a rapidly expanding global company.
- Internal Mobility: Grow with us- Your long-term development is important to us. We offer internal job opportunities to help build your career path.