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- Tasks: Monitor transactions and investigate fraud to protect our marketplace payments platform.
- Company: Join a dynamic fintech company shaping the future of payments.
- Benefits: Competitive salary, hybrid work, and opportunities for professional growth.
- Other info: Fast-paced environment with a collaborative team culture.
- Why this job: Dive into data, think like an investigator, and make a real impact.
- Qualifications: Experience in fraud monitoring and strong analytical skills required.
The predicted salary is between 35000 - 45000 £ per year.
We're hiring a Fraud Monitoring Analyst to join our Operations team and play a key role in the detection and investigation of fraudulent activity across our marketplace payments platform. This role is focused on post-transaction monitoring and behavioural analysis. You'll review alerts, investigate merchant activity, and external fraud notifications to identify suspicious patterns and reduce fraud exposure and mitigate financial crime. If you enjoy digging into data, thinking like an investigator, and working in a fast-moving payments environment, we'd love to hear from you.
What you'll do:
- Monitor transaction activity and merchant behaviour using internal dashboards and fraud tools, reviewing alerts from rules, behavioural triggers, and risk indicators.
- Investigate sub-merchants and accounts within a PayFac structure, analysing flows, volumes, velocity, and behaviour over time to assess fraud or scheme risk.
- Act on fraud and chargeback notifications from acquiring banks and payment networks — investigate root cause and manage exposure.
- Take appropriate risk mitigation actions including account restrictions, transaction blocks, payout holds, and escalations.
- Maintain clear, audit-ready documentation of investigations and contribute to fraud reporting and trend analysis.
- Support optimisation of fraud detection rules and contribute to playbooks, procedures, and escalation frameworks.
What we're looking for:
Essential
- Experience in fraud monitoring, transaction monitoring, or financial crime within payments, PSPs, or acquiring environments.
- Strong understanding of card payments, chargebacks, and fraud typologies.
- Experience investigating patterns of activity over time, not just single transactions.
- Familiarity with fraud tools such as Fraud.net, Sift, or Riskified.
- Strong analytical and investigative skills with excellent attention to detail.
Nice to have
- Experience in a PayFac, marketplace, or platform payments model.
- Understanding of merchant risk and platform abuse.
- Exposure to Visa/Mastercard scheme monitoring programmes.
- Experience with Power BI or SQL for reporting.
Why Ryft?
If you’re excited about working in a fast-paced, collaborative environment and want to be part of a team that’s shaping the future of fintech, we’d love to hear from you! We value individuals who are passionate about their craft, thrive in a hybrid work setting, and are ready to make an impact.
Locations
Fraud Monitoring Analyst in Cheshire, Warrington employer: Ryft
Contact Detail:
Ryft Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Fraud Monitoring Analyst in Cheshire, Warrington
✨Tip Number 1
Network like a pro! Reach out to folks in the fintech space, especially those working in fraud monitoring. A friendly chat can lead to insider info about job openings and even referrals.
✨Tip Number 2
Show off your skills! If you’ve got experience with fraud tools or data analysis, make sure to highlight that in conversations. Share specific examples of how you've tackled fraud issues in the past.
✨Tip Number 3
Stay updated on industry trends! Read up on the latest in fraud detection and financial crime. This knowledge will not only impress potential employers but also help you in interviews.
✨Tip Number 4
Apply through our website! It’s the best way to ensure your application gets seen. Plus, we love hearing from candidates who are genuinely interested in joining our team.
We think you need these skills to ace Fraud Monitoring Analyst in Cheshire, Warrington
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your experience in fraud monitoring and transaction analysis. Use keywords from the job description to show that you understand what we're looking for.
Show Off Your Skills: In your cover letter, give examples of how you've used analytical skills to investigate fraud or financial crime. We want to see your thought process and how you tackle challenges!
Be Clear and Concise: When writing your application, keep it straightforward. We appreciate clarity, so avoid jargon and get straight to the point about your relevant experience and why you’re a great fit for us.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates from our team!
How to prepare for a job interview at Ryft
✨Know Your Fraud Tools
Familiarise yourself with the fraud tools mentioned in the job description, like Fraud.net or Sift. Be ready to discuss how you've used similar tools in the past and how they helped you identify suspicious patterns.
✨Show Off Your Analytical Skills
Prepare examples that showcase your analytical and investigative skills. Think of specific instances where you successfully identified fraudulent activity or mitigated risk, and be ready to explain your thought process.
✨Understand Payment Structures
Brush up on your knowledge of payment structures, especially PayFac models. Being able to discuss how merchant behaviour can impact fraud risk will show that you understand the complexities of the role.
✨Be Ready for Scenario Questions
Expect scenario-based questions where you'll need to demonstrate your problem-solving abilities. Practice articulating how you would handle different fraud situations, including the steps you'd take to investigate and mitigate risks.