Payments Risk & Chargeback Lead
At My Funded Futures, we’re transforming the world of proprietary trading by giving traders the capital, tools, and community they need to succeed.
We blend innovation, transparency, and performance to create opportunity — helping traders scale faster and smarter. If you’re passionate about fintech, financial markets, and data-driven growth, you’ll fit right in.
Explore our open roles below and see how you can help us shape the future of funded trading.
Role Summary
We are seeking a hands-on Payments Risk & Chargeback Lead to own and operate our end-to-end payment risk, fraud, and chargeback ecosystem.
This role sits at the intersection of payments, risk, data, and customer experience. You will configure and manage our payment processors, define and enforce risk rules, lead chargeback operations, and continuously optimize approval rates while protecting the business from fraud and excessive dispute exposure.
Your mandate is simple but critical: maximize successful payments while minimizing fraud, disputes, and network risk.
Core Responsibilities
Payments Risk & Processor Configuration
- You will be the system owner for how money enters the business.
- Own configuration of all payment processors (e.g., Checkout.com)
Design and manage:
- Fraud rules
- Velocity controls
- Geographic restrictions
- Card verification (AVS, CVV, 3DS)
- Transaction limits and risk thresholds
Continuously tune rules to balance:
- Conversion
- Fraud exposure
- Chargeback ratios
- Partner with product and engineering to implement and test rule changes safely
Chargeback & Dispute Management
You own the full lifecycle of disputes.
- Manage all chargeback workflows:
- Alerts
- Evidence collection
- Representment
- Network submissions
Build and maintain dispute playbooks by:
- Reason code
- Payment method
- Product type
- Geography
Track and optimize:
- Win rate
- Loss rate
- Recovery dollars
- Ensure compliance with Visa, Mastercard, AmEx, and processor thresholds
Fraud & Abuse Prevention
You proactively stop bad actors before they cost us money.
- Monitor:
- Fraud rate
- Friendly fraud
- Account abuse
- Payment method abuse
- Partner with:
- KYC / AML
- Customer support
- Trading ops to identify high-risk users and patterns
- Implement device fingerprinting, behavioral risk signals, and data-driven rules
- Performance & Reporting
- You make payments performance transparent and actionable.
- Own reporting on:
- Authorization rates
- Fraud rate
- Chargeback rate
- Dispute win rate
- Payment success by country, method, and product
- Build dashboards and executive-level reporting
- Identify trends, leakage, and opportunities to improve revenue capture
- Continuous Optimization
- You run a living payments system.
- A/B test fraud rules and payment flows
- Partner with Product to reduce:
- Failed payments
- False positives
- Friction in checkout
- Recommend new tools, vendors, or processors when needed
What Success Looks Like
Within 90–120 days:
- Chargeback ratio is trending down
- Approval rates are trending up
- Fraud losses are within tolerance
- Payments performance is clearly visible and understood
- The business is no longer reacting — it is controlling its risk
Required Experience
- 5+ years in payments, fraud, or chargebacks in:
- Fintech
- Prop trading
- Online marketplaces
- SaaS
- High-risk payments environments
- Payment Processors
- Hands-on experience configuring:
- com, Worldpay, Nuvei or similar
- Deep knowledge of:
- Visa, Mastercard, Amex and Discover dispute rules
- Reason codes
- Fraud tooling (Radar, Sift, Ekata, Fingerprint, etc.)
- Experience in:
- Trading platforms
- Subscriptions
- Digital wallets
- Global payments
- Strong analytical and reporting skills - SQL or BI tool experience
- Experience operating in a fast-growth or high-risk environment
EEO Statement
Equal Employment Opportunity
My Funded Futures is an equal opportunity employer. We believe that diversity drives innovation and success. We are committed to building an inclusive environment where every team member feels valued, respected, and supported—regardless of race, color, religion, gender, gender identity, sexual orientation, national origin, age, disability, veteran status, or any other protected characteristic.
Pay Transparency
In compliance with pay transparency laws, My Funded Futures provides compensation ranges in job postings where required. Final compensation may vary based on experience, qualifications, and location. We also offer comprehensive benefits and performance-based incentives.
Accessibility / Accommodation Statement
If you require assistance or an accommodation during the application process, please contact our HR team at nicki@myfundedfutures.com.
Work Authorization
Applicants must be authorized to work in the applicable country without employer sponsorship. The Company does not offer visa sponsorship or immigration assistance for this position.