Head of Fraud

About the job

**Role:**Head of Fraud

Employment Type: Full-time

Location: On-site, 5 days per week

Flatpay is a fast-growing European payments company on a mission to make card

payments simple and transparent for merchants. We operate across seven markets

— Denmark, Germany, Finland, France, the UK, Italy, and the Netherlands — and

we're building the infrastructure and team to scale further. We're proud of the

culture we've built: direct, ambitious, and grounded in doing things right.

What you'll do

We're looking for a Head of Fraud to join our team in Amsterdam and take full

ownership of fraud risk across our merchant portfolio. This is a hands-on

leadership role: you'll define strategy, build and lead a team, and work closely with

our acquiring partners, product, and commercial teams to keep our portfolio

healthy as we grow.

You'll be the person who both sets the direction and gets into the details —

comfortable reading chargeback data in the morning and presenting risk strategy to

senior leadership in the afternoon.

What you'll own

• Fraud strategy and policy — define and maintain Flatpay's fraud risk framework across all markets, balancing risk appetite with commercial growth
• Chargeback and dispute management - lead the end-to-end chargeback process, manage scheme thresholds, and drive dispute resolution efficiency
• Fraud operations and tooling - oversee the tools and processes used to detect, investigate, and prevent fraud, and identify where we can improve or automate
• Risk analytics and reporting - build the data visibility needed to monitor portfolio health, spot emerging threats, and report clearly to leadership
• Team leadership — hire, develop, and manage a fraud team; set priorities

and create a high-performance environment

• Acquirer and scheme relationships — act as the primary point of contact on

fraud-related matters with our acquiring partners and card schemes

Who you are

What we are looking for

• Experience in fraud, risk, or payments — ideally in a card-present or

acquiring context

• Strong grasp of chargeback mechanics, card scheme rules, and fraud

typologies across European markets

• Analytical mindset — you're comfortable working with data and can translate

it into decisions

• Clear communicator who can work across commercial, technical, and

operational stakeholders

• Experience working in a fast-growing, international environment

Nice to have* Experience managing fraud across multiple markets simultaneously

• Familiarity with the acquiring and payment processing landscape
• Background in fintech or merchant acquiring

What we offer

• A senior role with real ownership and direct impact on Flatpay's growth
• A collaborative, no-nonsense team that moves fast and trusts each other
• The chance to build something — this role comes with the mandate to shapehow Flatpay approaches fraud for years to come

Flatpay is an equal opportunity employer. We welcome applications from

candidates of all backgrounds.#### Why Flatpay?

Massive opportunity: Join at launch stage and shape our success in the Dutch market.

Uncapped earning potential: Your effort directly defines your success.

Fast-track career growth: We promote from within, and we move fast.

Supportive culture: No politics, no bureaucracy – just good people building great things together.

International environment: Be part of a diverse, ambitious team across 6+ countries.

About us

Welcome to Flatpay!

Flatpay is not just another payment solution; we are dedicated to innovating the market for payment solutions and financial services in the SME segment with our customer-centric and transparent services.

Today, we are one of the fastest-growing fintech companies out of the Nordics - and Denmark's fastest unicorn!

Flatpay is more than just work. We believe in fostering a vibrant and fun work culture where our ambitious colleagues can thrive. As part of our team, you will be one of +2.000 passionate colleagues dedicated to making a difference in the world of payments.

What sets Flatpay apart is our dedication. We continuously strive to stay ahead of the curve, adapting our solutions to meet our client's evolving needs.

Let's shape the future of merchants together!