Head of Fraud Operations, Europe
- Dublin, Ireland
- Current Square Employee?: Apply via go/jobs
We believe everyone should be able to participate and thrive in the economy, so we’re building tools that make commerce easier and more accessible to all. We started in San Francisco in 2009 with a little white credit card reader and we now serve millions of businesses around the world. We came to the UK in 2017, our fifth global market, and provide hardware and software solutions that help sellers of all sizes start, run and grow their business.
We’re empowering SMEs across the UK to take card payments wherever their customers are - in person, by invoice, over the phone or online. Our Square Reader and Square Stand help our sellers accept Chip & PIN and Contactless payments quickly, easily and affordably. Our Cash app lets people pay each other back instantly. We’re shortening the distance between having an idea and making a living from it—and helping them grow their business is good business for everyone.
Square is seeking a highly seasoned Risk Manager to join our dynamic Risk Operations team in Dublin. In this role, you will drive fraud risk strategy within the European market across multiple products and teams. This position will work closely with senior internal executives and external stakeholders. You will be responsible for delivering insights that inform fraud management strategies and drive payments volume growth within the risk appetite in Europe. This position relies on sound judgment to plan and accomplish goals to drive risk strategy while enabling a remarkable customer experience.
Importantly, this role will represent the team as a member of Square's high impact cross-functional Risk teams that support initiatives for both existing and emerging payment products. This position requires an in-depth understanding of the principles of both account and portfolio level fraud management. You must have a strong aptitude for working in partnership at all levels of an organisation and for building strong relationships both internally and externally (including vendors, networks, government agencies, and regulators).
Lead a team of high performing specialists in a fast- paced environment including performance management, coaching, developing and driving the vision for the team
Work closely with senior leadership in the Americas and APAC regions to set, assess, and refine a unified fraud risk strategy, which you will apply in the European market
Utilise analytics to optimise existing fraud strategies, in order to reduce false positive rates and increase fraud detection rates.
Extract and analyse data, investigate data integrity, generate fraud metrics to show the performance of fraud systems for use in management reporting.
Identify gaps in current systems, policies, products and strategies and take actions to mitigate emerging fraud risks with guidance from managers.
Serve as the key subject matter expert in European fraud risk across the company and/or with external partners; think through 'big picture' implications for stakeholders and evaluate trade-offs and interests of multiple stakeholders
Develop and implement comprehensive fraud detection strategies and business rules that balance fraud loss, cost of execution and customer experience.
Be persuasive at all levels of communication, including board members and senior-level executives
Create an environment where Squares are motivated, performing their best and constantly growing and provide direction to multiple teams and foster collaboration between teams
Bachelors Degree (Masters preferred) in Business Administration, Law, Commerce, Finance or a related field and 5+ years risk management experience with traditional and alternative payment methods
Experience managing fraud risk within payments, and a working understanding of chargebacks and investigations
Strong existing relationships in the fraud space with proven results in driving down risk loss through innovation, strategic change or methodologies
Ability to analyse large transactional datasets, interpret ambiguous situations, and make decisions under pressure
Extensive knowledge in card-not-present fraud schemes and risk prevention methods and detection tools for digital, virtual and physical goods
Deep understanding of the online payments landscape across all participants issuer, merchant, acquirer and network
Strong leadership experience growing and developing high impact teams
Excellent written, oral and presentation skills and an ability to synthesise information and make clear, concise recommendations on a course of action
Strong skills in SQL, CRM, and data analysis tools
At Square, we value diversity and always treat all employees and job applicants based on merit, qualifications, competence, and talent. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We will consider for employment qualified applicants with criminal histories in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance.