ABOUT US

Since our inception in 2020, Pliant has been dedicated to redefining credit cards, empowering businesses to thrive through innovative payment solutions. Our app and API-driven platform enables companies to effortlessly issue both physical and virtual credit cards, automate payment workflows, monitor expenditures, and integrate financial data seamlessly into their systems.

As we rapidly expand into 30 international markets, we recognize that our success hinges on a passionate, diverse team. With over 180 Plianteers from 35 nationalities working either remotely or in a hybrid setting from our vibrant Berlin headquarters, we are on the lookout for talented individuals to join us on this exciting journey!

ABOUT THE ROLE

Are you an expert in payments and fraud monitoring who excels in dynamic environments where every transaction is a narrative waiting to be discovered?

Join us in creating robust defenses against phishing attacks, brute force testing, and transactional irregularities as we scale our operations from Europe and the UK to the US!

We are assembling a dedicated team focused on Payments Monitoring and are in search of a Senior Payments Monitoring Specialist (freelance/remote, m/f/d) to drive our mission forward.

This position is fully remote and welcomes applicants located in Europe or Cyprus, featuring a fixed daytime schedule. It’s perfect for those with expertise in fraud detection, real-time payment surveillance, and incident management.

Shift Information: This role adheres to a consistent schedule, five days per week, covering weekdays and weekends as part of a rotating roster. (Note: A second shift may be established later in the year, for which a subsequent hiring round will occur.)

WHAT YOU’LL DO

Payments Monitoring & Real-Time Alert Response

• Vigilantly monitor live card transactions, payment flows, and behavioral trends to detect suspicious activities such as phishing, brute force attacks, velocity anomalies, and fraud rings.
• Swiftly address live fraud and system alerts, triage incidents, and conduct rapid investigations.
• Define and enhance alert thresholds, logic, and rule-based or statistical models to improve quality of signals and minimize false positives.

Incident Management & Root Cause Analysis

• Spearhead real-time incident response for payment-related issues and escalations involving fraud.
• Collaborate with engineering, information security, and compliance teams to investigate root causes and implement enduring solutions.
• Document incidents meticulously, create playbooks, and engage in post-mortems to bolster operational resilience.

Data-Driven Risk Detection

• Utilize SQL and Python to delve into transaction flows, assess alert logs, and uncover fundamental fraud patterns.
• Partner with data and engineering teams to iterate on fraud detection models and enhance alert efficacy.
• Deliver insightful reports to stakeholders regarding fraud trends, attack vectors, and systemic vulnerabilities.

Internal Collaboration & Stakeholder Communication

• Serve as the subject matter expert (SME) for payments monitoring across internal teams, including Customer Relations, Compliance, Engineering, and Product.
• Coordinate with external partners such as processors, acquirers, and card schemes to resolve incidents and enforce mandatory controls.
• Assist with go-to-market preparations for new regions (e.g., launching in the US) by establishing fraud detection standards and monitoring protocols.

WHAT YOU’LL BRING

• A minimum of 3 years of experience in payments monitoring, fraud operations, risk analysis, or fintech security—preferably within a Payment Service Provider (PSP), issuer, or fintech company.
• Strong knowledge of card payment flows, authorization patterns, and various fraud types (e.g., phishing, card testing, BIN attacks, social engineering).
• Proven ability to manage incidents calmly and communicate effectively during high-stakes situations.
• Proficient in SQL and Python (or similar programming languages), with a track record of deriving actionable insights from payment data.
• Previous experience in fraud rule creation, model assessment, or risk scoring will be particularly advantageous.
• Familiarity with ticketing systems, fraud platforms, and monitoring tools.
• A structured, detail-oriented mindset with a proactive approach to identifying potential issues before they escalate, coupled with a commitment to improving detection systems.
• Exceptional communication skills in English, with the ability to collaborate efficiently across different time zones and teams.

WHAT WE OFFER

• A key role in one of our most vital new teams, offering high visibility and substantial impact on product safety and customer trust.
• Competitive salary and flexibility to work remotely.
• A company culture that champions ownership, curiosity, and technical excellence.
• A flat hierarchy and open communication in a fast-paced fintech setting.
• A company card with a monthly allowance for meals, coffee, and team gatherings.
• A budget for continuous learning and professional development as the function evolves.