Card Fraud Analyst

Role Overview

• Safeguard customers against unauthorised card activity, scams, and payment instrument or account takeover fraud.
• Analyse card fraud disputes and emerging trends to identify weaknesses or opportunities within existing fraud prevention rules.
• Review and enhance fraud controls across authorisation, post-authorisation, and tokenisation flows.
• Incorporate card scheme indicators and internal machine learning signals into static fraud rules to improve accuracy and effectiveness.
• Contribute to longer-term initiatives aimed at reducing card fraud and improving overall risk posture.
• Partner closely with Product and Engineering teams to evolve the rule engine and improve the end-to-end fraud customer journey, from declines and alerts through to dispute submission.
• Act as an escalation point for card fraud prevention topics for customer-facing Operations teams.
• Independently manage and prioritise competing workflows, including team initiatives and external escalations, delivering high-quality outcomes within agreed timelines.
• Assess and articulate the impact of fraud rules on customer spend, approval rates, and user experience.
• Produce clear, high-quality analysis that directly addresses business and risk problems.
• Navigate complex problem spaces and understand the trade-offs involved in fraud decision-making.
• Proactively propose and develop strategies to mitigate emerging fraud patterns or large-scale fraud events.
• Write, test, and maintain analytical code independently and collaboratively, ensuring it is readable, reusable, and well-documented.
• Test and validate fraud rule logic autonomously, and troubleshoot issues related to code, data, or risk engine behaviour.
• Continuously learn and apply new analytical tools, techniques, and methodologies.
• Provide timely data, insights, and analysis to support fraud incidents and investigations.
• Escalate risks that fall outside the Card Fraud remit or risk appetite to relevant internal or external stakeholders.

Requirements

• 4–5 years of experience in fraud prevention, risk management, or payments risk, with a strong focus on card fraud.
• Solid understanding of card payment flows, including authorisation, post-authorisation, chargebacks e.t.c
• Detailed understanding of the operational aspects of payment cards, mobile payments, the fintech and banking industry.
• Strong problem-solving skills, with the ability to work independently in ambiguous or fast-paced environments.
• Excellent written and verbal communication skills.
• Solid understanding of payment gateways, acquiring banks, and merchant processors, including knowledge of network-specific chargeback procedures (Visa, Mastercard, etc.).

Benefits

• Flexible work arrangements
• Professional development