Senior Specialist, Fraud Attack Response & Insights - Europe

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Senior Specialist, Fraud Attack Response & Insights - Europe Who is Mastercard? Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Overview The Fraud Attack Response & Insights team is Mastercard’s integrated fraud attack response, intelligence and card security control function, overseeing real-time incident response and fraud insights generation. The Senior Specialist, Fraud Attack Response & Insights – Europe will be based in Lisbon and report to the Director, Fraud Attack Response & Insights – Europe, Asia Pacific and EEMEA. The role will focus primarily on fraud attacks, emerging threats and trends affecting Mastercard customers and the payments ecosystem across Europe. The Senior Specialist will combine transaction analysis, fraud expertise and market intelligence to determine how attacks occur, identify potential vulnerabilities or control gaps, and inform immediate and longer-term mitigation actions. Working with European regional teams, customers and cross-functional partners, the role will investigate significant fraud events and turn individual attacks into actionable intelligence and systemic learnings. The role may also support significant events in Asia Pacific and EEMEA. The role covers fraud affecting account opening, payment cards, account-to-account transactions and emerging payment flows, with a focus on securing the transactions Mastercard enables and participating issuers, acquirers and merchants. This is not a corporate or information security function. The Role As Senior Specialist, Fraud Attack Response & Insights – Europe, you will: Fraud attack response and investigation Participate in high-impact fraud Threat Response Teams (TRTs) and other response activities involving European customers. Analyze significant attacks to identify patterns, methods, affected payment flows and potential control gaps. Analyze transaction, authentication, authorization, clearing and other relevant fraud data. Develop and test hypotheses about attack vectors and contributing factors, distinguishing confirmed evidence from hypotheses and outstanding questions. Provide timely investigative insights during active events and help assess the effectiveness of mitigation actions. European fraud intelligence & insights Develop deep knowledge of Europe’s fraud landscape, including significant attacks, emerging patterns and evolving threats. Connect intelligence across events to identify recurring attack methods, vulnerabilities and control gaps. Work with European market and regional teams to incorporate local customer and market intelligence. Contribute European intelligence to the broader Fraud Attack Response & Insights function, including the fraud attack registry and related intelligence processes. Produce concise, actionable insights for regional stakeholders, product teams, Standards and senior leadership. Post-incident analysis and sys