Fraud Risk Analyst (Fintech)

Location: London, United Kingdom; hybrid workplace

Company

Fintech scale-up developing payment, business banking, and financial services products for businesses in Australia and the United Kingdom.

What you will do

• Support fraud monitoring and risk controls across merchant acquiring, card acceptance, authorisation, clearing, and settlement.
• Investigate suspicious transaction patterns, fraud trends, and typologies including card-not-present fraud, friendly fraud, and chargeback abuse.
• Contribute to merchant onboarding, KYB/KYC, underwriting, and ongoing merchant risk monitoring.
• Work with Visa, Mastercard, acquiring partners, processors, and gateways to resolve operational and payment issues.
• Monitor disputes, chargebacks, refunds, and scheme queries while meeting applicable thresholds and SLAs.
• Apply card scheme rules, AML/CTF requirements, PCI DSS standards, and UK regulatory expectations.

Requirements

• At least 2 years of experience in merchant acquiring, payments, transaction monitoring, fraud prevention, merchant risk, or financial crime operations.
• Experience within a UK-regulated financial services environment is required.
• Hands-on knowledge of merchant onboarding, underwriting, card schemes, acquiring partners, processors, gateways, and payment lifecycles.
• Understanding of authorisation, clearing, settlement, disputes, chargebacks, refunds, and UK payment systems such as Faster Payments.
• Working knowledge of card scheme rules, PCI DSS, AML/CTF obligations, and payment industry standards.
• Strong analytical, investigation, problem-solving, communication, stakeholder management, and prioritisation skills.

Nice to have

• Experience in banking, financial services, payments, fintech, government, or regulatory organisations.
• Experience in a high-growth startup or scale-up.
• CAMS, CFCS, ICA, or equivalent fraud, financial crime, or compliance certification.
• Experience with card scheme audits, compliance reviews, or PCI DSS initiatives.

Culture & Benefits

• Opportunity to help build and expand financial services products in the UK.
• Competitive salary package with equity.
• Balanced, progressive, and supportive work environment.
• Learning and development opportunities.
• Parental leave and additional leave entitlements.
• Fast-growing and ambitious scale-up environment.