Head of Fraud

Role: Head of Fraud
Employment Type: Full-time
Location: On-site, 5 days per week

Flatpay is one of the fastest-growing companies in Europe. Founded just over three years ago in Copenhagen, our mission is simple: to take the stress out of card payments for small and medium-sized businesses.

Running a business is hard enough. But unpredictable transaction fees, confusing rate structures, and endless “extra costs” make it even harder.
 
That’s why we built Flatpay — one flat rate across all cards, transparent pricing, no hidden surprises.
Today, we’re more than 1,500 Flatpayers across Denmark, Finland, Italy, Germany, France, and the UK — and now, we’re launching in the Netherlands!
 
This is your chance to get in early, help us build the Dutch market from the ground up, and become a key player in our next growth chapter. If you are eager to kick-start your career in sales, or previously worked with inside sales as a inside sales representative, inside sales consultant or tele-sales agent, then this is the perfect job for you! That being said, no previous experience is required. If you believe you are the right fit, we want to hear from you.

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

Ambitious – You’re hungry for more than a 9–5. We promote internally and we promote fast. With the right skills and attitude, your growth potential here is limitless.
Humble – We hire great people, not big egos. You’re kind, collaborative, and people love working with you.
Smart – We value emotional intelligence over fancy degrees. You’re sharp, curious, quick on your feet, and genuinely enjoy talking to people.

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

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.