Fraud Associate

Who you are

• 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 organized 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
• Enjoying 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

What the job involves

• The Fraud Associate monitors daily transaction and merchant activity, analyzes 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 optimization of fraud prevention workflows
• 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

Benefits

• Opportunities for career growth, skill-building, and advancement
• Wellness programs, including mental health resources
• Happy hours, office celebrations, and well-being initiatives
• Paid time off for relaxation and quality time with loved ones
• Various paid leave programs, including sick leave, parental leave, and more to support life's important moments
• Flexible work schedules empower you to manage your commitments effectively
• Employee-nominated "Top Gun Program" to recognize exceptional individuals