Risk Control Analyst, Card & ATO Risk

About the role

In this role, you will be the primary contact for card issuer side risk matters, focusing on fraud prevention and transaction monitoring. You will collaborate with various teams to implement risk control measures and monitor card risk metrics to ensure effectiveness.

You will also design strategies to combat account takeover (ATO) risks, analyzing attack patterns and leveraging risk signals to build multi-layered defenses. This position requires strong analytical capabilities and the ability to work with large datasets.

The salary for this position ranges from $52,000 to $88,000, depending on experience.

Skills that matter here

• risk control: This role involves designing and deploying risk rules and strategies to mitigate card fraud and ATO risks.
• fraud prevention: You will be responsible for implementing measures to prevent fraud in card transactions.
• SQL: Proficiency in SQL is essential for analyzing large datasets and extracting risk features.
• data analysis: Strong analytical skills are required to measure control effectiveness and develop detection logic.
• AI tools: Experience using AI tools will help automate and optimize risk analysis and detection processes.

Who this role suits

• A candidate with a strong analytical background and experience in risk control or fraud prevention.
• Someone comfortable working with large datasets and proficient in SQL.
• A team player who can communicate effectively and manage stakeholder expectations.
• A professional who thrives in a fast-paced, results-driven environment and is eager to learn.

From the employer

Card Risk Control (Issuer Side)

• Serve as the primary risk point of contact for card issuer side risk matters, including BIN card fraud, transaction monitoring, and card lifecycle risk controls.
• Collaborate with payment and card business teams to gather requirements, propose risk control measures, and drive end-to-end implementation.
• Design and deploy risk rules and strategies for card-related scenarios, including card opening, credit limit adjustments, transaction authorization, and dispute/chargeback handling.
• Monitor card risk metrics, conduct post-event analysis, and continuously optimize control effectiveness.
• Evaluate third-party card risk vendors and solutions; drive integration where valuable.

ATO & Risk Strategy

• Design and deploy ATO risk control strategies, including risk analysis, feature extraction, rule/strategy deployment, and control flow design.
• Build and refine ATO detection and prevention pipelines across login, device, transaction, and account-change scenarios.
• Leverage risk signals (device, IP, behavioral, biometric) to construct multi-layered defense chains.
• Analyze attack patterns and emerging threats; translate insights into actionable detection rules and mitigation strategies.

General

• Document risk control designs, decision logs, and post-incident reviews.
• Work with data and engineering teams to implement and tune risk models and rules.
• Participate in cross-functional projects spanning payment, compliance, and product teams.

Essential

• 3+ years of experience in risk control, fraud prevention, or a related analytical role.
• Hands-on experience designing and deploying risk rules/strategies in a real-time production environment.
• Strong analytical skills: ability to extract risk features from data, build detection logic, and measure control effectiveness.
• Solid understanding of risk control frameworks, including rule-based systems, scoring models, and layered defense design.
• Proficiency in SQL and data analysis tools; comfortable working with large datasets.
• Strong communication and stakeholder management skills — ability to translate business needs into risk control requirements and drive cross-team execution.
• Experience using AI tools in day-to-day work, e.g., leveraging AI to analyze risk issues, automate and optimize rules, screen data, or accelerate investigation workflows.

Preferred

• Experience in Card risk control on the issuer side (BIN management, authorization risk, 3DS, card fraud detection).
• Experience with ATO, account fraud, or identity risk domains.
• Experience working with third-party risk vendors (e.g., face verification, device fingerprinting, fraud scoring).
• Knowledge of regulatory and compliance considerations in card and fintech risk.
• Bilingual English/Mandarin is required to effectively coordinate with overseas partners and stakeholders.

Additional

• Shape the future with the world’s leading blockchain ecosystem.
• Collaborate with world-class talent in a user-centric global organization with a flat structure.
• Tackle unique, fast-paced projects with autonomy in an innovative environment.
• Thrive in a results-driven workplace with opportunities for career growth and continuous learning.
• Competitive salary and company benefits.
• Work-from-home arrangement (the arrangement may vary depending on the work nature of the business team).