Senior Fraud Prevention Analyst - Commerce

Description

Job Summary: We are seeking a fraud prevention expert to monitor KPIs, resolve complex cases, and collaborate on designing secure products in a dynamic environment. Key Highlights: 1. Experience in fraud prevention in fintech, e-commerce, or banking. 2. Collaboration with Product and Data Science teams. 3. An environment of challenges, growth, and learning. At Mercado Libre, we are democratizing commerce and financial services to transform the lives of people across Latin America. Join us in this mission! Fraud Prevention is the internal and external reference function for all security matters related to transactions within the Mercado Libre ecosystem. We guarantee the security of operations conducted by users of our platform through the application of tools, analytical\-predictive models, and innovative technologies. We are the company area that enables risk-taking and high-speed growth. Within the team, we must be capable of co\-creating secure products and leveraging deep ecosystem knowledge to identify vulnerabilities and act proactively through technology, processes, and people—delivering a trustworthy experience that creates value for those using our services. **We have a challenge for those who:** * Embody entrepreneurial energy: driven by curiosity, never giving up, and focused on surpassing their own limits. * Give their utmost because they enjoy working with commitment and dedication. * Embrace change as opportunity and learn from their mistakes. * Prioritize excellence and execution in how they get things done. * Foster a positive work environment, contributing joy and fun. * Know how to build together with others and enjoy teamwork. Imagine leading challenging, dynamic, and innovative projects and being responsible for: * Monitoring key area KPIs: fraud rate, false positive rate, detection rate, chargebacks, case review times, and SLAs for case queues. * Analyzing and resolving complex or high-impact cases, escalating and coordinating with other teams such as Legal, Compliance, and Investigation teams when appropriate. * Collaborating with Product and Data Science teams in designing and validating new product launches, ML models, and friction flows for high-risk users. * Preparing management reports with root cause analysis, control effectiveness assessments, and metric trend analysis for Regional Management. * Ensuring compliance with internal fraud policies, local regulations (BCRA, BCU), and PCI\-DSS standards where applicable. **Requirements:** * Experience in fraud prevention, operational risk, or investigations in fintech, e\-commerce, banking, or payment methods. Experience analyzing and resolving fraud cases in high-speed, high-volume environments. * Knowledge of fraud typologies: account takeover, identity takeover, payment fraud, triangulation, among others. * Proficiency with data analysis tools (SQL, advanced Google Sheets, Looker or similar) for metric tracking and pattern detection. * Ability to read and interpret decision engine rules and collaborate effectively with technical teams. * Familiarity with AI tools focused on problem-solving. Knowledge of Anti-Money Laundering (AML/UIF) regulatory frameworks applicable to Argentina or Uruguay is a plus. **We Offer:** * The opportunity to join an entrepreneurial company that loves thinking big and long-term. * A chance to take ownership of your development in an environment full of opportunities, learning, growth, expansion, and challenging projects. * The chance to share and learn collaboratively alongside top professionals and specialists. * An excellent work environment, with everything you need to have a great experience :)