Payment Investigations Expert

We're building the bank of The Free, and protecting users and resolving fraud reliably is core to our mission. We're transforming Fraud Ops from a reactive function into an AI-led capability that gets faster, smarter, and more accurate with every case. That transformation needs one person to own it end-to-end. Up for this challenge? Kick off your application by taking our assessment and find out if bunq is your perfect match! 🕵️ Take Ownership As our Fraud Expert for Partner Reports, you'll own the end-to-end handling of every fraud case that reaches bunq through an external partner, from the individual report to the systemic fix to AI-led transformation. Own every fraud report escalated by our partners yourself: banks, payment schemes, card networks, and other external parties flag suspicious or fraudulent activity tied to bunq accounts, and you make sure each one is investigated, resolved, and closed out with our partner, with no case falling through the cracks. Identify the failure patterns behind recurring or high-risk partner reports, own the structural fixes, and drive AI-led automation that lets partner-report handling scale through intelligence rather than headcount. Hold full KPI accountability for speed, accuracy, and partner and user satisfaction: you distinguish structural design flaws from noise, and you don't stop until the fix is permanent. You have deep knowledge of Fraud Operations, investigation methodologies, and the regulatory and partner obligations that govern cross-institutional fraud reporting (card schemes, correspondent banks, cross-border requirements). You have hands-on experience handling complex fraud cases and escalations, including those raised by external partners. You know how to diagnose operational problems with data and drive permanent structural fixes, not workarounds. You can design and implement AI-led workflows - you build processes with AI at the core and can own an automation roadmap end-to-end. You're an excellent communi

About the Team At Trendyol Finance, we drive financial clarity, sustainability, and smart decision-making at every level of the business. As a strategic partner to commercial teams, we bridge data with action—ensuring efficiency, compliance, and long-term value creation. From budgeting to forecasting, we turn numbers into insights that shape Trendyol’s growth journey in a fast-moving ecosystem. About the Role In this role, you will be responsible for driving payment growth, strategy, and marketing initiatives across Trendyol’s international and domestic markets. You will work closely with banks, card schemes, payment partners, and internal stakeholders to develop commercial opportunities, optimize payment performance, and execute strategic campaigns that support customer growth and business objectives. The role combines strategy, analytics, and partnership management, requiring strong commercial acumen, stakeholder management skills, and a data-driven approach to identifying growth and optimization opportunities. Your Main Responsibilities Monitor and analyze all payment-related funnels, identifying user drop-off points to develop recommendations for improving conversion rates. Track key performance indicators (KPIs) across issuers and regions, identifying emerging trends and risks early to drive resolution processes with relevant teams. Utilize PSP portals and analytics tools actively, conducting detailed funnel and cost analyses to resolve systemic inconsistencies. Support the tracking of payment cost targets and monthly forecasts, ensuring Business Development teams and relevant stakeholders are promptly updated on budget deviations. Monitor daily payment expenditures, contributing to the automation of cost-tracking mechanisms and identifying cost-saving initiatives without compromising customer experience. Contribute to the annual payment marketing plan, ensuring promotional campaigns are executed effect

ABOUT THE TEAM TrendPay is where cutting-edge payment technology meets seamless user experience. This team designs and manages end-to-end payment solutions for millions of users across the globe. Trendyol Pay is focused on building secure, fast, and reliable payment infrastructure not just for today’s needs, but for the future of digital commerce. TrendFinance is not just about managing money it’s about reshaping the future of financial experiences. We build inclusive and innovative financial products that empower millions of customers and sellers. From smart credit systems to AI-powered budgeting, our goal is to remove complexity from finance and make it more accessible, personal, and impactful. By blending technology with finance, we turn data into decisions helping individuals and businesses thrive. We are united by a shared purpose:To create a positive impact in our ecosystem by enabling commerce through technology. We simplify every transaction and elevate user confidence through technology-driven, customer-first design. We are all working with the same purpose: To create a positive impact in our ecosystem by enabling commerce through technology. Main Responsibilities Design, develop and document E2E customer journeys for new products and platform features as well as revisiting existing journeys periodically to revise them according to the emerging customer needs. Continuously analyze and identify journey pain points, define root causes and address solutions to those processes in a preventive/proactive manner. Follow customer experience best practices (local & global) and new technologies (i.e AI) to develop projects that will further improve E2E customer journeys. Govern company-wide experience projects, lead and engage cross-functional teams to sustain customer experience focus. Prepare monthly voice of customer reports including NPS analysis, Contact Centre KPIs, Operational KPIs and share with other p

ABOUT THE TEAM TrendPay is where cutting-edge payment technology meets seamless user experience. This team designs and manages end-to-end payment solutions for millions of users across the globe. Trendyol Pay is focused on building secure, fast, and reliable payment infrastructure not just for today’s needs, but for the future of digital commerce. We simplify every transaction and elevate user confidence through technology-driven, customer-first design. About the Role In this role, you will play a key role in driving the strategic growth of our process. This position is ideal for someone who thrives at the intersection of strategy, data, and execution. Working cross-functionally with product, marketing, and data teams, you'll help shape and execute our growth roadmap. Responsibilities Support the growth of our virtual card business by identifying strategic moves and growth levers Leading card scheme and processing partnerships for card business Conduct market research, competitive benchmarking, and industry analysis Identify pain points in current business and product processes, and offer actionable solutions Collaborate with product, marketing, and data teams to co-build and execute growth strategies Derive insights from user behavior, financial data, and operational performance Contribute to decision-making processes with clear, data-backed recommendations. Expected Qualifications Minimum 4 years of experience in business development roles Passion for fintech and digital products Strong skills in market research, benchmarking, and competitive analysis Excellent analytical and problem-solving skills Professional working proficiency in English Proactive mindset, strong communication skills, and eagerness to work in a fast-paced environment. What We Offer A hybrid working model with flexibility — a schedule that helps you find the right bala

ABOUT THE TEAM TrendPay is where cutting-edge payment technology meets seamless user experience. This team designs and manages end-to-end payment solutions for millions of users across the globe. Trendyol Pay is focused on building secure, fast, and reliable payment infrastructure not just for today’s needs, but for the future of digital commerce. TrendFinance is not just about managing money it’s about reshaping the future of financial experiences. We build inclusive and innovative financial products that empower millions of customers and sellers. From smart credit systems to AI-powered budgeting, our goal is to remove complexity from finance and make it more accessible, personal, and impactful. By blending technology with finance, we turn data into decisions helping individuals and businesses thrive. We are united by a shared purpose:To create a positive impact in our ecosystem by enabling commerce through technology. We simplify every transaction and elevate user confidence through technology-driven, customer-first design. We are all working with the same purpose: To create a positive impact in our ecosystem by enabling commerce through technology. About the Role As a Treasury Professional, you manage and optimize daily cash operations to ensure financial efficiency and stability across the organization. You provide cash flow reporting, execute timely payments, and handle bank transfers and reconciliations. Collaborating closely with finance, technology, and banking partners, you ensure seamless integration of POS systems and accurate settlement of merchant transactions. By understanding funding and interchange structures, you help shape competitive pricing strategies and negotiate favorable terms with banks. You also play a key role in financial reporting, closing activities, and automating treasury processes through tools like SAP. Your work supports broader digital payment initiatives and enhances payment excellence across the business. <

About the Team At Trendyol Finance, we drive financial clarity, sustainability, and smart decision-making at every level of the business. As a strategic partner to commercial teams, we bridge data with action—ensuring efficiency, compliance, and long-term value creation. From budgeting to forecasting, we turn numbers into insights that shape Trendyol’s growth journey in a fast-moving ecosystem. About the Role We are seeking analytical, process-oriented and proactive Fraud Process & Analytics Professionals to join our Fraud team. This role sits at the intersection of fraud domain knowledge, data analysis, process design and project delivery. You will identify fraud and abuse risks, translate business problems into analytical questions, use data to quantify root causes and impact, design scalable controls and rulesets, and drive improvements together with Product, Data, Tech, Operations and Business teams. The role is not limited to reviewing individual cases; the main focus is to turn recurring fraud problems into measurable, scalable and sustainable solutions. Your Main Responsibilities Own and improve fraud-related processes end-to-end by identifying control gaps, bottlenecks, manual steps and potential abuse points, and drive scalable improvements through automation, product changes or operational redesign. Analyze customer, seller, order, payment and behavioral data using SQL / BigQuery to identify fraud patterns, anomalies, root causes and emerging risk signals; structure ambiguous problems into clear hypotheses, populations and success metrics. Quantify the financial, operational and customer/seller experience impact of fraud problems, prioritize initiatives accordingly, and translate analytical findings into actionable recommendations. Design and improve fraud rulesets, risk indicators, thresholds, controls and monitoring frameworks, considering false positive / false negative trade-offs and overall control effectiveness.