Specialist, Payment Risk Operations

About The Team at OKX

At OKX, we believe that the future will be reshaped by crypto, ultimately contributing to every individual's freedom. As a leading crypto exchange and developer of OKX Wallet, we provide millions access to crypto trading and decentralized applications (dApps). OKX is a trusted brand for institutions seeking access to crypto markets, backed by our Proof of Reserves. Our global offices are united by core principles: We Before Me, Do the Right Thing, and Get Things Done, fostering a friendly, rewarding, and diverse environment. OKX is part of OKG, bringing Blockchain value through products like OKX and OKLink.

About The Opportunity

We are seeking a Specialist, Payment Risk Operations with fraud and risk experience in a global environment, demonstrated by a proven track record in managing payment risk. Based in our Budapest office, you will be responsible for executing risk operations, supporting fraud prevention, detection, and investigation processes in line with applicable policies and guidelines.

This role demands a fast-paced, collaborative, process-driven individual who can adapt and adjust plans on-the-fly. Strong prioritization skills and a willingness to proactively tackle tasks are essential. Most importantly, you will drive results and significantly support the growth and adoption of our products and features while building our fraud risk culture and risk management strategies.

What You’ll Be Doing as a Specialist, Payment Risk Operations

• Complete comprehensive investigations using various tools, ensuring accountability for all researched information in each case file and maintaining confidentiality.
• Review customer transactions to identify fraudulent activities such as account takeover, friendly fraud, identity theft, and similar risks.
• Contact customers via phone, app, or email to validate transaction activities and account information.
• Resolve customer issues within the scope of existing service level agreements.
• Investigate chargebacks, fraud claims, and internally escalated cases, providing analysis on loss trends.
• Analyze trading and behavioral patterns to report suspicious accounts, preventing losses and detecting fraud.
• Develop healthy partnerships with internal and external stakeholders to enhance investigative processes and minimize company risk. Prepare high-quality documentation, including high-level summaries or comprehensive investigation reports.
• Recommend anti-fraud processes in response to changing transaction patterns and trends.
• Generate suspicious activity reports and risk management reports for MLRO and other stakeholders.
• Monitor blockchain transactions for suspicious activity and potential fraud using blockchain analysis tools.
• Correlate transactional data across multiple sources (fiat and crypto) to detect patterns of suspicious behavior.
• Perform root-cause analysis of fraudulent activities to improve preventive measures.

What We Look For In You

• Minimum degree in accounting, finance, business administration, criminology, or other relevant disciplines.
• At least 3 years of relevant fraud investigation experience.
• Fraud detection, prevention, investigation, and risk management experience in the crypto, banking, financial, and/or fintech sector.
• Strong ability to identify fraud patterns and trends, coupled with critical thinking skills.
• Experience with different payment methods and platforms.
• Ability to quickly learn new technology tools.
• Good communication skills, both verbal and written, in English.
• Experience in customer service is a plus.
• Capable of working autonomously in both office and home-office environments.
• Willingness to collaborate globally, appreciate diverse cultural values, and adopt best practices.

Nice To Haves

• Expertise or eagerness to become an expert in blockchain, understanding how speculators, traders, digital asset exchanges, blockchain money services businesses, and financial institutions operate.
• Training or experience in blockchain analytic tools (e.g., Chainalysis).
• Experience working with teams across offices and time zones.
• Risk-relevant certifications (CFE, FRM, CFA, etc.) are preferred or equivalent.
• Experience with fraud detection tools and transaction monitoring systems.
• Familiarity with chargeback management processes.
• Ability to prepare clear, audit-ready reports and documentation for investigations and regulatory purposes.

Key skills/competency

• Fraud Investigation
• Payment Risk Management
• Crypto Fraud Detection
• Blockchain Analysis
• Transaction Monitoring
• Chargeback Management
• Risk Management Strategies
• Critical Thinking
• Data Correlation
• Stakeholder Collaboration