Senior Fraud & AML Officer (Fintech)

TL;DR

Senior Fraud & AML Officer (Fintech): Lead efforts to detect and prevent fraud while ensuring AML compliance in a fast-paced payment service environment with an accent on monitoring high-risk merchants and handling complex cases. Focus on optimizing monitoring systems, managing payment scheme requests, and contributing to anti-fraud initiatives.

Location: Fully Remote (Bulgaria), hybrid from Riga or London offices

Company

Dynamic payment service provider specializing in cross-border payment solutions, multicurrency accounts, and card issuing for e-commerce and SMBs using cloud-based technology.

What you will do

• Monitor merchant risks and transaction activity.
• Handle complex cases including high-risk merchants.
• Manage requests and cases from payment schemes like Visa and Mastercard.
• Contribute to anti-fraud initiatives and improve monitoring systems.
• Optimize processes like alerts, data extraction, and monitoring logic.
• Collaborate with onboarding, monitoring, and risk teams; mentor junior specialist.

Requirements

• Experience in Fraud / Anti-Fraud / Transaction Monitoring.
• Basic knowledge of IML / AML.
• Data analysis skills (SQL is a plus).
• Experience in payments or fintech is an advantage.
• Experience working with high-risk merchants is preferred.

Nice to have

• Payments or fintech experience.
• High-risk merchants experience.

Culture & Benefits

• Competitive salary aligned with experience.
• Collaborative and transparent team culture.
• High-impact role in a scaling fintech company.
• Recognition of personal milestones and achievements.
• Social benefits.