Senior Card Operations and Fraud Analyst

Tally is an exciting FinTech, transforming the way we all view money forever. At Tally, we want to give customers a choice. We believe people deserve to use money that holds its value and remains in their control. This is fundamental to an individual’s financial well‑being and more broadly promotes savings and productivity in society. Tally is a full reserve banking platform that uses physical gold as asset‑based money. Tally, as a digital currency, is available to save, send and spend seamlessly through the existing global banking ecosystem.

Building on our expanding customer base, we have exciting plans for further expansion and growing a world‑class winning team. We are looking for positive people with integrity, intelligence and a strong work ethic. You will have an amazing opportunity to join our exciting, dynamic and fast‑paced culture. We are looking for extraordinary people to help deliver our extraordinary vision. At Tally, we respect each other and are driven by the same core values: We are driven by shared inspiration, innovation and advantages that Tally delivers for the general public and the financial ecosystem. We share an obsession about our customers and work with a sense of urgency to achieve our ambitious plans. We love to collaborate, stretch and support each other and laugh together. We set ambitious yet achievable common team goals and use OKRs to measure our progress. We never stop learning and celebrate our successes together. Being part of Team Tally and sharing our values is important to us.

Role Overview

The Senior Card Operations and Fraud Analyst is responsible for leading the end‑to‑end monitoring, analysis, and optimisation of all payment flows across the business, including card payments, EFTs, peer‑to‑peer transfers, and emerging payment channels. Reporting to the Head of Service Operations, this role operates as the first line of defence for transactional risk, with a primary focus on fraud prevention, behavioural analysis, and payment integrity rather than onboarding or traditional compliance operations. You will own the design, calibration, and continuous improvement of transaction monitoring controls, ensuring that Tally maintains a robust, scalable, and intelligence‑led risk framework across all payment types while supporting a seamless customer experience.

Key Responsibilities

• Own and oversee real‑time and retrospective transaction monitoring across card payments (POS, e‑commerce, ATM), EFTs, and peer‑to‑peer transfers.
• Design, implement, and continuously optimise fraud detection rules, scenarios, and thresholds.
• Analyse transactional behaviours to identify emerging fraud typologies, attack vectors, and abuse patterns.
• Lead decision‑making on high‑risk transactions, including approvals, declines, and step‑up authentication strategies.
• Support end‑to‑end delivery of card scheme initiatives, from concept through to launch and optimisation.

Payments Risk Strategy & Controls

• Develop and maintain a holistic card payments risk framework covering all transaction types and customer behaviours.
• Define and implement controls across the payment lifecycle, including velocity controls, spending limits, geolocation and device intelligence, and merchant and counterparty risk profiling.
• Work closely with product and engineering teams to embed risk controls directly into payment flows.
• Perform deep‑dive analysis on transaction data to generate actionable insights on fraud trends, loss drivers and operational gaps, and analyse and report to track key risk metrics.
• Use data to proactively recommend improvements to rules, controls, and customer journeys.
• Act as the escalation point for major fraud incidents or emerging threats.
• Lead investigations into fraud cases, identifying root causes and control weaknesses.
• Coordinate response actions across internal teams and external partners where required.

Payment Partner & Scheme Engagement

• Act as a key point of contact for payment partners, including issuers, processors, and scheme representatives.
• Monitor scheme‑level fraud trends and ensure Tally controls remain aligned with industry expectations.
• Support scheme compliance initiatives related to fraud monitoring and risk thresholds.
• Identify opportunities for automation and intelligent decisioning within payment risk workflows.

Cross‑Functional Collaboration

• Partner closely with engineering teams to design secure payment features and enhance monitoring tools.
• Partner closely with customer operations and compliance operations to handle fraud‑related customer interactions.
• Partner closely with MLRO and Head of Compliance on payment risk implications for new products, features, and market expansion.

Reporting & Governance

• Produce regular reporting for senior leadership covering fraud performance and trends.
• Support internal governance forums with insights and recommendations on card payment risk strategy.
• Contribute to audits, partner reviews, and regulatory discussions relating to transaction monitoring and fraud controls.

Qualifications

• Deep understanding of payment ecosystems (cards, bank transfers, P2P).
• Strong expertise in fraud detection, transaction monitoring, and financial crime typologies.
• Advanced analytical capability with experience interpreting large datasets.
• Ability to translate data insights into practical risk controls and business decisions.
• Strong commercial awareness with the ability to balance risk vs customer experience.
• Proven ability to operate in a fast‑paced, high‑growth fintech environment.
• Excellent stakeholder management and communication skills.
• Proactive, ownership‑driven mindset with a focus on continuous improvement.