Risk Control Analyst, Card & ATO Risk

About the role

This role at Binance centers on managing and mitigating risks associated with card transactions and account takeovers. The analyst will be responsible for developing and deploying risk rules across the card lifecycle, from account opening to transaction authorization and dispute resolution. This includes monitoring risk metrics, conducting post-event analysis, and continuously refining control effectiveness.

A significant part of the position involves designing and refining strategies to detect and prevent account takeover attempts. This includes building detection pipelines across various scenarios like login, device changes, and transactions, utilizing diverse risk signals such as device, IP, and behavioral data. The analyst will analyze emerging attack patterns and translate these insights into actionable defense mechanisms.

Success in this position requires strong analytical skills to extract risk features from data, construct detection logic, and measure the efficacy of control measures. The analyst will also work closely with data and engineering teams to implement risk models and rules, and participate in cross-functional projects involving payment, compliance, and product teams to integrate risk controls effectively.

The annual salary for this position ranges from 52,000 USD to 88,000 USD.

Skills that matter here

• risk control: This role is primarily focused on designing, deploying, and optimizing risk control strategies for card and account takeover scenarios.
• fraud prevention: The analyst will build and refine detection and prevention pipelines specifically aimed at combating various types of fraud, including card fraud and account takeovers.
• SQL: Proficiency in SQL is essential for analyzing large datasets to extract risk features and support decision-making.
• data analysis: The role requires strong analytical skills to interpret risk metrics, conduct post-event analysis, and measure the effectiveness of control strategies.
• AI tools: Experience with AI tools is used for analyzing risk issues, automating and optimizing rules, screening data, and accelerating investigation workflows.

Who this role suits

• A person with at least three years of experience in risk control or fraud prevention.
• Someone who has hands-on experience deploying risk rules in a real-time production environment.
• An individual who can translate business needs into technical risk control requirements and drive cross-team execution.
• A candidate comfortable working with large datasets and proficient in analytical tools.

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).