Fraud, Associate

Shift4 (NYSE: FOUR) is boldly redefining commerce by simplifying complex payments ecosystems across the world. As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for hundreds of thousands of businesses in virtually every industry.

Summary: The Fraud Associate monitors daily transaction and merchant activity, analyses fraud patterns using BI tools, and manages card scheme compliance (Visa/Mastercard) to mitigate chargebacks and risks. This role requires strong cross-functional collaboration, direct merchant communication, and proactive optimisation of fraud prevention workflows.

Responsibilities:

• Monitor and investigate suspicious transactions, merchants, and third-party activity daily.
• Dive deep into fraud patterns across our portfolio using BI tools – spot trends, think critically, and act fast.
• Partner with teams across the company and with external stakeholders to develop and implement top-tier fraud detection strategies.
• Build and enhance reports, tools, and processes to prevent fraud and chargebacks – your insights will directly influence our security.
• Communicate directly with merchants and partners to assess fraud risk and agree next steps for resolution.
• Act as a trusted point of contact for SMB clients on compliance and fraud-related queries, with the ability to confidently engage clients across multiple channels - email, live chat, and phone/video calls.
• Collaborate with card schemes like Visa and Mastercard on program breaches, appeals, investigations, and reporting.
• Stay on top of chargeback and fraud programs, ensuring compliance and proactive management of scheme requirements.
• Work hand-in-hand with the Risk team to identify and monitor high-risk merchants.
• Help shape the tools and workflows we use every day by challenging outdated processes and suggesting smarter, faster ways to work.
• Other ad hoc tasks can be assigned by the manager as needed.

Requirements:

• 2+ years of experience with BI tools such as Oracle BI, SAP, Qlik, Tableau, or SQL, or advanced Excel skills are a must.
• A degree in Banking & Finance, Statistics, Data Analytics, Economics, or similar, or hands-on experience in fraud/investigative roles within Payments or Banking.
• Card transactions, Acquiring background, highly advantageous.
• Big plus if you have direct experience supporting small-to-medium business (SMB) clients.
• Clear, confident communication in English (both spoken and written).
• Strong analytical mindset with great investigative instincts – you don’t stop until you get to the 'why'.
• Able to manage multiple priorities with focus and independence – you’re organised and driven.
• Able to work under minimal supervision / high degree of independence allocated, and have strong independent decision-making capabilities.
• Energetic, innovative, and adaptable – you bring a spark to the team and enjoy being both fun and professional.
• You’re approachable, easy to collaborate with, but not afraid to push back when there’s a better way to do something.
• You thrive in an environment where ownership, creativity, and momentum are encouraged.
• Enjoy working in a fast-paced and multi-cultural environment.
• Innovative and flexible person full of energy. Easy to work with, but challenging, and always looking for improvement.
• A proactive mindset with a touch of 'va va voom'—you know how to make things happen and bring positive energy to the team.

Candidate must be located in UK or Malta.

Compensation: Shift4 applies a structured, market-informed approach to compensation. Salary ranges are developed based on objective, gender-neutral criteria, such as internal job levels, scope of responsibilities, and external market data. The range listed for this position reflects the expected hiring range for qualified candidates and corresponds to the level and requirements of the role. Actual compensation may vary depending on various factors, such as experience, skills, qualifications, work location, and market conditions. Shift4’s compensation structures are subject to periodic review and ongoing alignment across regions. Additional components such as variable remuneration or other benefits may also apply based on eligibility and role type.

Benefits of working for Shift4: Join Shift4 and enjoy a work environment that prioritises flexibility and well-being. We embrace a hybrid working model, offering our team the flexibility to balance time between remote work and our modern, welcoming offices located in the heart of Valletta, Malta's historic capital. Our standard remuneration package is comprehensive, including private health, dental, and life insurance, as well as parking allowance, preferential home rates, and a company pension plan (with APS). We are committed to supporting our employees' well-being through our Mental Health Program, family-friendly measures, an equipped canteen with free breakfast, and exciting company events.

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, colour, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.