Fraud Analyst / Manager

• Build and maintain fraud monitoring dashboards that surface emerging risks early — don't wait for monthly reports. Track fraud basis points, detection rates, false positive ratios, and chargeback trends in near real-time.

• Investigate confirmed fraud cases and conduct deep root cause analysis across CNP (card-not-present) and CP (card-present) channels — then turn every case into a rule improvement or process fix.

• Initiate and lead fraud prevention projects independently — you see a pattern, you build the business case, you propose the solution, you drive implementation. No waiting for direction at Circle.

• Proactively monitor the fraud landscape — track Visa advisories, industry threat intelligence, big data, emerging attack vectors, and regional fraud trends to anticipate risks before they hit our portfolio.

• Own and continuously optimize VRM Real-Time Decisioning (RTD) and VCAS (3D Secure) rule strategies — tuning thresholds, adding new rules, and running champion-challenger tests to stay ahead of fraudsters while minimizing customer friction.

• Design and propose new customer protection features to the Product team — think real-time spending alerts, smart card freeze, merchant whitelisting, geo-fencing, and transaction limits that put control in the customer's hands.

• Strengthen application fraud defenses — proactively review eKYC flows, device intelligence signals, and identity verification processes to close gaps before bad actors exploit them. Coordinate with Visa, partner bank, and law enforcement on fraud case resolution, dispute management, and threat intelligence sharing.

• Develop and maintain fraud prevention SOPs, playbooks, and escalation procedures — documenting not just what we do today, but what we should do when new threats emerge.

• Champion the "Circle Protect" mindset across the company — educate Product, Engineering, and Operations teams on fraud risks and advocate for security-by-design in every feature.

• Bachelor's Degree in Finance, IT, Data Science, Criminal Justice, or a related field.

• 3–7 years of experience in fraud prevention, fraud analytics, or financial crime in Banking, Card Issuing, or Fintech (title will be calibrated to experience level.

• A proactive, self-driven mindset — you don't wait to be told what to investigate. You see patterns, raise flags, and drive action on your own initiative.

• Hands-on experience with Visa Risk Manager (VRM), VCAS, or similar fraud management platforms. Knowledge of 3D Secure (EMV 3DS), tokenization, & authentication protocols.

• Strong analytical skills; proficiency in Excel, SQL; Python or BI tools is a plus. Understanding of payment card fraud typologies (CNP fraud, account takeover, synthetic identity, BIN attacks, card testing/enumeration).

• Familiarity with Vietnamese regulatory requirements for fraud prevention and dispute resolution. Detail-oriented with a strong investigative mindset — but equally comfortable thinking strategically about prevention, not just detection.

• Fluent in Vietnamese (required); English (working proficiency preferred).

• Comfort with handling a wide range of ad-hoc tasks that may fall outside the daily scope.

• Experience with AI anti-fraud tools such as Visa Advanced Authorization (VAA) scoring and Visa threat intelligence feeds.

• Track record of independently identifying and mitigating fraud trends (not just following existing rules).

• Experience building fraud prevention features in collaboration with product teams.

• Background in digital-first or neobank environments.

• A cool start-up work environment

• Competitive salary packages 5 days work week (Mon to Fri)

• 20 days annual leave

• Health and wellness benefits

• Opportunities for professional development Innovative and collaborative work environment

Circle Asia