Head of Fraud

About the job

Role: Head of Fraud Employment Type: Full-time Location: On-site (Amsterdam), 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-onleadership role: you'll define strategy, build and lead a team, and work closely withour acquiring partners, product, and commercial teams to keep our portfoliohealthy 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

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.