Senior Fraud Analyst

Office based role, working out of either London or Milton Keynes office. Are you a seasoned fraud expert with payments acquiring experience and a passion for tackling complex challenges in the fast-evolving world of fintech? This is your opportunity to shape fraud prevention strategies at a leading European e-money institution, where your expertise in card payments, digital transactions, and fraud analytics will make a tangible impact. Step into a role that offers ownership, innovation, and the chance to work with some of the brightest minds in the industry. Join us and help redefine the future of payment security!

Role Overview: We are seeking a highly skilled Senior Fraud Analyst to join the UK Risk function. As a leading European fintech and regulated e-money institution, we provide advanced payment and acquiring solutions to a wide range of merchants. This role demands a proactive, commercially aware fraud specialist with deep domain expertise in card acquiring, issuing, and digital payments. The ideal candidate will have a proven track record of managing fraud risk within a regulated financial services environment, be confident navigating card scheme requirements, and bring a strong mix of analytical, technical, and stakeholder management skills. You’ll be expected to work autonomously, influence senior stakeholders, and support the development of scalable fraud strategies. Experience in building fraud MI, optimising detection models, and driving continuous control improvements will be key to success.

Key Responsibilities:

• Own and lead complex fraud investigations across card payments and account transactions, responding to alerts from Experian, CIFAS, internal systems, and other intelligence sources.
• Monitor acquiring and issuing transaction activity to proactively identify emerging fraud patterns and mitigate risks in real time.
• Build and enhance fraud MI dashboards and reporting packs to support internal governance, regulatory reporting, and operational efficiency.
• Work cross-functionally with Risk, Compliance, and Operations to design and implement targeted fraud controls.
• Optimise rule-based and data-driven fraud detection models in line with the latest scheme and regulatory requirements.
• Stay informed on fraud trends across the payments ecosystem and translate insight into strategy and preventative controls.
• Support regulatory, audit, and scheme reporting as required, representing the fraud function in relevant forums.

Requirements:

• Minimum 2+ years’ experience in a fraud role within the payments, acquiring, or card issuing space – ideally at a regulated EMI, PSP, or acquirer.
• Strong working knowledge of card scheme rules (Visa, Mastercard) and risk management expectations.
• Experience managing end-to-end fraud investigations, including the use of tools such as Experian, CIFAS, and fraud detection systems.
• Demonstrated ability to produce meaningful fraud MI and insights to drive decision-making and performance improvement.
• Excellent communication and stakeholder engagement skills, including the ability to challenge and influence constructively.
• Proactive, analytical mindset with the ability to work independently and take ownership of key risk areas.
• Strong Microsoft Office skills; experience with SQL, fraud tools, or analytics platforms is an advantage.

Individual and company performance bonus. Private medical health insurance. 25 Days holiday rising to 30 with service + bank holidays. A diverse multi-cultural working environment. Office gym available at Milton Keynes office only. Technology focused organization, employing many leading edge technologies. Please note that if you are NOT a passport holder of the country for the vacancy you might need a work permit. Bank or payment details should not be provided when applying for a job. All applications should be made via the 'Apply now' button.