AML Operations Analyst Fraud

You will investigate fraud alerts, customer reports, and chargebacks, using transaction, device, IP, and identity data to make timely decisions. You will identify emerging fraud patterns, improve controls, escalate money-laundering concerns, and work with product, engineering, and payments colleagues.

Responsibilities

• Review fraud alerts and cases and decide whether to block, restrict, or release activity
• Conduct end-to-end investigations into card funding fraud, account takeover, APP scams, first-party fraud, and coordinated account networks
• Handle fraud reports and recall requests from customers, banks, and payment partners
• Review card disputes, gather evidence, and submit chargeback responses by deadlines
• Respond to fraud-related customer tickets
• Identify emerging fraud trends and suggest rule or control changes
• Escalate cases with money-laundering concerns to the AML team
• Collaborate with product, engineering, and payments teams to improve fraud rules and controls

Requirements

• 1-3 years of fraud experience in a fintech, payments company, or bank
• Experience with card fraud, chargebacks, APP scams, and account takeover investigations
• Experience handling fraud reports and recall requests from banks and partners
• Knowledge of APP scam reimbursement and card scheme dispute rules
• English communication
• Google Sheets or Excel
• Ability to work shifts, including weekends and public holidays