Senior Fraud Operations

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At Verto, we’re passionate about helping businesses in Emerging markets reach the world. What first started life as a FX solution for trading Nigerian Naira has now become a market‑leading platform, changing the way thousands of businesses transfer money in and out of Emerging Markets. We believe that where you do business shouldn’t determine how successful you are, or your ability to scale. Millions of companies a day have to juggle long settlement periods, high transaction fees and issues accessing liquidity in order to trade with African businesses. We’re on a mission to change this by creating equal access to easy payment and liquidity solutions that are already a given in developed markets. Backed by world‑class investors and recognised for our innovation — including winning the Milken-Motsepe Prize in FinTech, receiving the B2B Payments Innovation Award at the 2025 FinTech Breakthrough Awards, and being named ‘Fintech Start‑Up of the Year’ at the Fintech Awards London 2022 — we are growing rapidly, processing billions of dollars annually. Each year we process billions of dollars of payments and provide companies with solutions that help them to save money, automate processes and grow, but we’re only just getting started. We’re seeking a driven and results‑oriented Senior Fraud Operations associate who is excited to tackle fraud prevention in global payment systems, particularly within emerging markets, whilst maintaining compliance with international regulation. This is your chance to own, build, and architect our Fraud Operations capability from the ground up at a rapidly scaling FinTech. You won\’t just be managing risk; you\’ll be directly influencing product, policy, and data strategy. If you thrive on autonomy, fast‑paced delivery, and stopping bad actors in their tracks, this is the role you\’ve been waiting for.

In This Role You Will

• Architect the Fraud Operations strategic roadmap. You will design, build, and enhance the capability, ensuring its delivery aligns with Verto’s growth trajectory.
• Drive efficiency by providing actionable insights on operational process improvements, championing the adoption of new technology and automation to make our team smarter, not just bigger.
• Go beyond rule management – you will master and continuously calibrate our advanced fraud detection tools. Your technical proficiency will be key to reducing false positives while improving detection accuracy, directly impacting customer experience and bottom‑line protection.
• Lead and manage complex payment fraud cases, serving as the primary point of contact and collaborating closely with law enforcement and external partners to ensure recovery and accountability.
• Become the Compliance Data SME – the go‑to expert responsible for deep analysis of key financial crime trends.
• Leverage your investigative and analytical skillset to provide crucial support and calibration insight to our broader Transaction Monitoring capability.
• Act as the strategic partner to internal teams (Sales, Product, and Operations), translating complex risk issues into clear guidance, answering queries, and educating the company on fraud risks and adherence to risk management protocols.
• Collaborate directly with the Product team to design and embed \”bleeding edge\” fraud risk management features into our platform, making security a core function, not an afterthought.
• Be our Fraud Intelligence expert, constantly monitoring industry best practices, emerging card fraud trends, payment security vulnerabilities, and new detection technologies to keep us two steps ahead of bad actors.

You’ll Be Responsible For

• Architecting and Scaling Fraud Operations (The Build)
  • Own the Fraud Roadmap: You won’t just follow a plan; you’ll write the strategic fraud roadmap for the next 12 months and lead its delivery.
  • Process Optimisation: Build, redesign, and optimise all Fraud Operations SOPs and processes, creating a highly efficient, scalable, and resilient function.
  • Elite Investigations: Lead complex, high‑stakes payment fraud investigations, acting as our primary liaison with law enforcement, card schemes, and external partners to recover losses and prosecute bad actors.
• Driving Data‑First Risk Strategy (The Calibration & Guru)
  • Solution Scientist: Go beyond management – you’ll be the master calibrator of our advanced fraud detection tools. Your mission: reduce false positives while ensuring no major fraud incidents slip through.
  • The Compliance Data SME: Become the go‑to \”Data Guru\” for the entire Compliance function. You’ll leverage analytics to translate complex financial crime and fraud patterns into actionable, creative solutions that protect the business without impacting the customer experience.
  • Wider Financial Crime Support: Deploy your investigative skillset to support and enhance our Transaction Monitoring (TM) capability, providing crucial insights for system calibration based on real‑time trends.
• Protecting & Scaling Our Products (The Ownership)
  • Card & Payment Risk Strategist: Develop and implement next‑gen fraud detection strategies across all card and cross‑border payment processes, with the clear mandate to reduce fraud losses within your first year.
  • Chargeback Champion: Take full ownership of our chargeback management lifecycle. You will be the expert who analyses trends, manages defence submissions (working closely with Visa/Mastercard), and develops strategic initiatives to mitigate exposure and protect our customers.
  • The Pay‑by‑Link Pioneer: Act as the Risk Owner for our scaling Pay‑by‑Link product. You will monitor, optimise, and fortify this offering, ensuring seamless client adoption while maintaining iron‑clad security.
  • Product Collaboration: Collaborate closely with the Product team to ensure \”security‑by‑design,\” influencing the development of new features to build fraud risk management directly into our offerings.

Skills And Qualifications

• 3‑4 years of experience as a Fraud Analyst, with a focus on cards and payment processes. Experience in a high‑growth FinTech or payments environment is preferred but not required.
• Proven track record of building / enhancing a Fraud Operations function.
• Deep, practical expertise in Chargeback/Dispute Management and card scheme rules (Visa/Mastercard).
• Investigative mindset with experience in liaising with law enforcement or external recovery/forensic partners.
• Hands‑on experience with Visa and Mastercard fraud prevention systems, particularly TC40 and SAFE alerts.
• Knowledge of pay‑by‑link payment solutions, ideally with experience gained at a competitor or within a similar organisation.
• Strong analytical skills, with experience in data analysis, fraud detection, and identifying trends.
• Strong knowledge of fraud / financial crime patterns and tactics in card payments, online transactions, and cross‑border payments.
• Proficient in fraud / financial crime detection tools, data analysis, and payment monitoring systems.
• A collaborative spirit that can influence non‑technical partners (Sales, Product, etc.) on fraud risks and risk management adherence.
• Strong problem‑solving and analytical skills, with the ability to make data‑driven decisions under pressure.

Seniority level

Mid‑Senior level

Employment type

Full‑time

Job function

Finance and Sales