Fraud & Risk Management


Senior Fraud and Risk Analyst

Présentation de l'équipe

The Fraud & Risk Management Business Unit prevents and limits financial losses associated with fraud (fraudulent transactions) and insolvencies (credit risk).

More generally, the team supports merchants on a daily basis with any fraud issues they may face and ensures that the various compliance-related obligations (LCB-FT, Visa/MC network rules, etc.) are implemented.

Emilie's Interview

Who are you?

My name is Emilie and I am part of the HiPay Risk team in Levallois.


When did you join HiPay? What is your role and what do you do at HiPay?

I joined the Risk team as a Fraud and Fredit Risk analyst.

The Risk team has several missions, but if I had to summarise them, it is about limiting risks (as its name suggests) for us and for our customers:

1. By reducing fraud, through the Sentinel tool.
Profiles suited to the activity and the risks of each merchant are proposed, and these are regularly adapted through monitoring that enables us to be responsive to each attack by fraudsters (and they have plenty of imagination and resources!).

Alongside that, fraud reviews are regularly conducted for merchants, in order to optimise the ratio of security to validation rate.

2. By checking the prospects at the time of onboarding.
Before signing the contract with the prospect, it is our task to check each merchant. We check that they comply with our “acceptance policy”, of course, but also that there is no financial risk, in terms of the legal notices on URLs, Compliance, PEPs, UBOs, laundering risk, etc.

3. By regularly updating the data.
The digital world is evolving rapidly and so are our merchants. Another of the Risk team’s responsibilities, therefore, is to update files and regularly update the risk level.

4. By acting as the middleman between merchants, buyers and networks.
We advise merchants for the feedback we receive, whether for requests for supporting documents for individuals, network alerts on their fraud and/or chargebacks, or even the risk of data breaches.

What tools do you use in your day-to-day work?

We use very few specific tools outside the office packs, except for the HiPay back office and in particular the BI, which allow us to extract and analyse data.

We also work with several partners, allowing us to have more information about certain companies.


What expertise and skills are essential for doing what you do?

I think, as in most businesses, that first and foremost you have to love what you do.

I love analysis, I find it fun. It’s great profiling a network of fraudsters and finding the one little thing that connects them and that will enable us to block them and protect a merchant!

I think you need to have a logical mind. Many of our missions involve analysing data, sorting it and working out the results and the actions to take.

This also requires organisational skills and discipline.

As HiPay works internationally, English or another language is really important.


How would you define the culture at HiPay?

HiPay tries to maintain its start-up culture, despite its growth. This is not always easy, and the processes required when you expand had to be put in place.

But the result is pretty good and I think a lot of people can get their bearings now.

HiPay is challenging a lot of things. It is evolving and is not happy to just follow the trend, but is moving forward according to our needs and those of our customers. There are always a lot of projects, improvements and desires.


Why did you choose HiPay?

I mostly joined HiPay for the personal challenge. I like working in fraud and it’s an area I know fairly well.

But there are many facets to the fraud analyst profession at HiPay that I was not familiar with, and that I am still discovering every day. I am learning a lot, and I hope that this will continue because there are many areas that I’d like to improve in.


What type of profile do you think a person would need to have, to fit in at HiPay?

It depends on the team I think.

In Risk, you really need somebody who’s curious, responsive, and logical, with a good memory. Someone with character and discipline.

In terms of experience, the main thing is to be familiar with fraud or at least with payments, because there are many aspects to learn.


What does your job at HiPay give you?

I’m learning a huge amount! I wasn’t really familiar with Compliance and payments before, because I worked solely in anti-fraud.

I am getting new insights and I hope to continue developing these skills. I am also fortunate to be part of a team where we trust and help one another. We regularly have new missions and new challenges to tackle.

Training is also provided to hone the skills of each employee. This is important. We don’t stagnate, we move forward together.

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