- 10 jobs available
In Risk Management we practice operational excellence, think analytically, fight fraud and are developing a self-improving risk engine – always with the aim of boosting sales for our customers at the same time as minimising risk. Every day, the Consumer Risk team therefore goes on the hunt for fraudsters, ensuring that fraud patterns can be detected automatically in the future, whilst colleagues in the Merchant Compliance Risk team are dedicated to the fight against money laundering. The Risk Machine Learning team investigates and develops options for risk prevention using AI and software. And finally, in the Risk Analytics team, all the threads, or data, are drawn together.
Risk Machine Learning – Powerful Algorithms, Robust Technology
We support Ratepay with resolving cases of fraud and credit losses. How? With tech, of course! Our automated, high-precision and self-improving Risk Decision Engine manages to defeat even the most advanced fraudsters. To solve the complex, ever-changing problems, we use agile working, with plenty of freedom for individual developments, research and prototyping. As a team, we practice a constructive culture of discussion, supporting one another with our very diverse range of skills.
Merchant Compliance Risk – Checking Who is (Permanently) Committed...
Just as in real life: before you enter into a permanent partnership, you need to be sure that it is definitely a good match. Ratepay even has a special team for this. We check potential contracting partners in view of specific business risks and in respect of their credit ratings, we ensure that no money laundering is taking place and no criminal offences are being committed – and so we protect Ratepay both from fraudsters and from miscalculations. If you have intuition, diligence and a fondness for figures as well as a desire for responsibility, open communication and a supportive team, then you are in the right place with us.
Consumer Risk - Fraud? Insolvencies? No Chance!
What really matters in the Consumer Risk team: an eye for detail and a feel for connections. Here, it is all about identifying fraud attempts and default risks as quickly as possible, and taking action to prevent them. Together with colleagues in the areas of Risk Machine Learning and Risk Analytics, we work to get the best out of the traffic and to strike a balance between risk management and customer satisfaction – providing ongoing support for our growth and our customers’ growth.
Risk Analytics – Data Lovers – This Way, Please!
Are you inquisitive? Do you love figures? And do you really get going with data sets of 100,000+ lines? So do we! What drives us? Uncovering hidden values. To do this, we analyse data and risks and we scrutinise business models and processes. We model the credit risk, focusing on fraud prevention and profitability analysis. In all of the above, we help Ratepay to minimise losses, increase yields and improve its position in the highly competitive market of payment providers. If you want a job with impact in an international team, come to us!
There are many good reasons to join Ratepay. That's what our colleagues say:
1. Who are you and what do you do at Ratepay?
I'm Julia and I'm part of the Consumer Risk department, more specifically in the Fraud Screening team. My main task is to screen orders for possible fraud attempts. This requires an eye for detail, analytical thinking and a good ability to combine information in order to identify correlations and patterns in the available information and data. Deciding whether an order is ultimately accepted or rejected also involves a lot of responsibility. When we in the fraud screening team have uncovered a new fraud pattern, we share this information with the machine learning team. This way, we can contribute our part to make the algorithm even better and thus protect Ratepay from fraud attempts. I am very happy to be part of the Fraud Screening team, as I have an exciting day at work while pursuing work that is fulfilling and fun.
2. How do you see your development at Ratepay so far?
I am particularly proud of my personal development, both personally and professionally. At Ratepay, I now feel that I have finally arrived where I want to be. Tracking down and stopping fraudsters is meaningful and very motivating work for me. In the months I've been with Ratepay, I've learned an incredible amount and grown with each new task. In my previous job in customer service, I already had contact with Ratepay, or more precisely the Ratepay customer service, when it came to fraud cases, for example. That was always a great contact and I found the topic of fraud prevention very interesting. So I jumped at the chance to join Ratepay when I saw the position in Consumer Risk advertised. Fraud screening was a new and exciting field for me. I found the initial training super, even if it was only online due to the Corona situation. I felt welcome and integrated into the team from day one. All my colleagues are always there for me if I have any questions. In the near future, I am particularly looking forward to seeing people in person at Ratepay and getting to know them better.
3. What do you like most about Ratepay?
Definitely the wonderful people at Ratepay. I felt like part of the team here from the very beginning. The team I work in alone is unique, colorful, human, cool and fun. And I've also had the opportunity to meet a lot of great people across other teams, as well. What I also like about Ratepay is that appreciation plays an important role and great importance is attached to ensuring that colleagues feel comfortable and can develop freely.
I also really appreciate the corporate culture here. For example, the opportunity to work in a mobile office or to be able to organize my working hours flexibly. Communication is open and transparent and always at eye level. No matter who I have contact with, there is always an open ear for concerns or wishes. The interaction in the company is respectful, relaxed and human. Another great offer from my point of view is the company pension plan including allowance, which Ratepay offers to all colleagues. And I think it's great that Ratepay is committed to sustainability and gives everyone the opportunity to get involved in social projects one day a year.
4. Why is your team looking for more colleagues?
The big issue we are working on in Consumer Risk is to recognize fraud patterns even better and faster in order to be able to detect as many fraudsters as possible. To do this, we can never have enough good noses in our team. We are the right place for you if you want a varied and exciting working day in a company where you can develop freely and are offered a lot at the same time.
5. What do you do when you're not looking out for fraudsters?
My best balance to work is to do sports like jogging or swimming, to meet with friends (also finally in person again), to travel or to spend time in nature. The last two points also in connection. I would also love to travel to Iceland and see the northern lights.
6. Which three words describe you best?
Cordial, nature-loving, neat
7. When do you turn up the radio?
When Schlager music comes on
8. Who would you like to have lunch with?