Senior Fraud Investigator (Fintech)

Senior Fraud Investigator

Location: Tallinn, Estonia

Employment: Full-time

Format: On-site

Department: Payments & Compliance

Role:

Own the operational side of the fraud and risk function, including transaction monitoring, fraud investigations, merchant reviews, case decisions and merchant communication. The goal is to bring the fraud investigation capability fully in-house and reduce reliance on external consultants.

Responsibilities:

• Monitor merchant activity, transactions and risk signals.
• Investigate merchant fraud and customer fraud, including card testing, stolen cards, refund/trial abuse and account takeover.
• Make independent decisions on merchant retention, restrictions and offboarding.
• Communicate with merchants regarding verification, documentation and account decisions.
• Identify new fraud patterns and recommend additional controls.
• Improve fraud detection rules, risk policies and operational workflows.
• Maintain clear investigation and decision documentation.
• Help build the internal fraud operations capability.

Requirements:

• Typically 5+ years in fraud operations, fraud investigations, transaction monitoring or merchant risk.
• Background in PSP, Merchant of Record, acquiring, fintech or high-volume online payments.
• Strong investigative and analytical skills.
• Experience working with transaction data and risk signals.
• SQL is a strong plus.
• Strong written and verbal communication.
• Knowledge of onboarding, verification, PSP and card-network risk requirements.
• Ability to independently own investigations and decisions.

Nice to have: SaaS/AI/digital-goods fraud, KYB/underwriting, AML/CTF, merchant due diligence, OSINT, chargebacks/disputes, fraud tools, team lead/domain ownership experience.