Lead Payment Fraud Analyst in Edinburgh

About us
We are champions of rail, inspired to build a greener, more sustainable future of travel. Trainline enables millions of travellers to find and book the best value tickets across carriers, fares, and journey options through our highly rated mobile app, website, and B2B partner channels.

Great journeys start with Trainline. Now Europe's number 1 downloaded rail app, with over 125 million monthly visits and £5.9 billion in annual ticket sales, we collaborate with 270+ rail and coach companies in over 40 countries. We want to create a world where travel is as simple, seamless, eco-friendly and affordable as it should be.

Today, we're a FTSE 250 company driven by our incredible team of over 1,000 Trainliners from 50+ nationalities, based across London, Paris, Barcelona, Milan, Edinburgh and Madrid. With our focus on growth in the UK and Europe, now is the perfect time to join us on this high-speed journey.

Introducing the Payment Fraud team at Trainline. The Payment Fraud team protects Trainline and our customers by preventing and detecting payment fraud across our platforms. We use data and analytics to identify emerging fraud trends, strengthen controls, and guide fraud decisioning, balancing risk with customer experience.

As a Lead Payment Fraud Analyst, you will:

• Own and track key fraud, loss, and recovery metrics.
• Spot trends and anomalies, and leverage tools like Ravelin, and internal partnership with Machine Learning teams to proactively mitigate risk.
• Work closely with Chargeback Admins and Fraud Review Agents to respond to a changing payment fraud landscape, while balancing a low prevent rate for a high quality paying experience for Trainline customers.
• Deliver timely and accurate internal and external reporting on fraud trends for senior leadership audiences.
• Collaborate with key stakeholders to ensure fraud data strategies align with wider business goals.
• Automate dashboards and reporting tools to streamline analysis.
• Ensure compliance with data security and privacy standards.

We'd love to hear from you if you have:

• Proficiency in SQL, Python, R, or similar data analysis tools for analytics and visualization.
• An understanding of predictive modeling, clustering, and classification techniques for fraud analytics.
• Experience using BI and reporting tools such as Tableau or Power BI to create dashboards and reports.
• Some familiarity with data pipelines and cloud platforms (e.g., AWS or Google BigQuery) is a plus.
• Strong communication skills to collaborate effectively with fraud, finance, product, and engineering teams.
• Experience managing data projects with timely delivery.
• Knowledge of regulatory frameworks such as GDPR, PCI DSS, and PSD2, or similar fraud/data compliance requirements.
• Experience in identifying and mitigating revenue leakage through fraud analytics.
• A strong problem‐solving and analytical mindset.
• The ability to present complex data insights clearly to both technical and non‐technical audiences.
• Attention to detail when analysing large datasets to detect fraudulent activity.

More information:
Enjoy fantastic perks like private healthcare & dental insurance, a generous work from abroad policy, 2-for-1 share purchase plans, an EV Scheme to further reduce carbon emissions, extra festive time off, and excellent family‐friendly benefits.

We prioritise career growth with clear career paths, transparent pay bands, personal learning budgets, and regular learning days. Jump on board and supercharge your career from day one!

We're operate a hybrid model to work and ask that Trainliners work from the office a minimum of 60% of their time over a 12‐week period. We also have a 28‐day Work from Abroad policy.

Our values represent the things that matter most to us and what we live and breathe every day, in everything we do:

• Think Big - We're building the future of rail
• Own It - We focus on every customer, partner and journey
• Travel Together - We're one team
• Do Good - We make a positive impact

We know that having a diverse team makes us better and helps us succeed. And we mean all forms of diversity - gender, ethnicity, sexuality, disability, nationality and diversity of thought. That's why we're committed to creating inclusive places to work, where everything belongs and differences are valued and celebrated.

Interested in finding out more about what it's like to work at Trainline? Why not check us out on LinkedIn, Instagram and Glassdoor!