Card Fraud Analyst

Duplo is a Lagos-based fintech startup that enables businesses in Africa to automate their spend management, simplify cross-border payments, and control business finances all on one platform.

We want to make B2B payments as simple as P2P payment apps. Most business payments in Africa are made offline….yikes. We are on a mission to transform this. We are backed by top investors, including Point Nine, Tribe Capital, Commerce Ventures, Liquid2 Ventures, Basecamp Fund, Soma Capital, YCombinator, Oui Capital, and others.

This is a unique opportunity. You'll have the responsibility and resources to take a significant part in the creation of a paradigm-changing product that will impact millions.

We’re looking for a Card Fraud Analyst (Acquiring) to join our team, with a strong focus on acquiring-side card fraud, merchant chargebacks, and investigations within our Atlas product. This role sits at the intersection of fraud prevention, analytics, and product collaboration, helping to reduce fraud losses while maintaining a strong customer experience.

Key Responsibilities:

Card Fraud Prevention & Risk Management

• Safeguard customers against unauthorised card activity, scams, and payment instrument or account takeover fraud.
  
• Analyse card fraud disputes and emerging trends to identify weaknesses or opportunities within existing fraud prevention rules.
  
• Review and enhance fraud controls across authorisation, post-authorisation, and tokenisation flows.
  
• Incorporate card scheme indicators and internal machine learning signals into static fraud rules to improve accuracy and effectiveness.
  
• Contribute to longer-term initiatives aimed at reducing card fraud and improving overall risk posture.
  
• Partner closely with Product and Engineering teams to evolve the rule engine and improve the end-to-end fraud customer journey, from declines and alerts through to dispute submission.
  
• Act as an escalation point for card fraud prevention topics for customer-facing Operations teams.
  

Analytical & Strategic Capabilities

• Independently manage and prioritise competing workflows, including team initiatives and external escalations, delivering high-quality outcomes within agreed timelines.
  
• Assess and articulate the impact of fraud rules on customer spend, approval rates, and user experience.
  
• Produce clear, high-quality analysis that directly addresses business and risk problems.
  
• Navigate complex problem spaces and understand the trade-offs involved in fraud decision-making.
  
• Proactively propose and develop strategies to mitigate emerging fraud patterns or large-scale fraud events.
  
• Write, test, and maintain analytical code independently and collaboratively, ensuring it is readable, reusable, and well-documented.
  
• Test and validate fraud rule logic autonomously, and troubleshoot issues related to code, data, or risk engine behaviour.
  
• Continuously learn and apply new analytical tools, techniques, and methodologies.
  

Communication & Collaboration

• Clearly explain analyses, decisions, and recommendations to teammates and immediate stakeholders.
  
• Present fraud trends, insights, and learnings in a concise and structured manner.
  
• Support and collaborate with peers, sharing knowledge and best practices where needed.
  

Incident & Risk Management

• Provide timely data, insights, and analysis to support fraud incidents and investigations.
  
• Escalate risks that fall outside the Card Fraud remit or risk appetite to relevant internal or external stakeholders.

Requirements:

• 4–5 years of experience in fraud prevention, risk management, or payments risk, with a strong focus on card fraud.
  

• Solid understanding of card payment flows, including authorisation, post-authorisation, chargebacks e.t.c

• Detailed understanding of the operational aspects of payment cards, mobile payments,  the fintech and banking industry.

• Strong problem-solving skills, with the ability to work independently in ambiguous or fast-paced environments.

• Excellent written and verbal communication skills.

• Solid understanding of payment gateways, acquiring banks, and merchant processors, including knowledge of network-specific chargeback procedures (Visa, Mastercard, etc.).