Payments Fraud Investigator

Job Description:

Safeguard our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud.

As a Payments Fraud Investigator, you will play a critical role in protecting our customers and partners from financial loss.

Responsibilities:

• Analyze high-risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors

• Lead root cause analyses to identify gaps in current systems, policies, and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders

• Drive cross-functional projects aimed at refining operational processes and tools, enhancing the detection and management of fraudulent accounts across our global analyst network

• Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency distributed fraud attacks

• Communicate regular updates during team and organization-wide business reviews, summarize outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions

• Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes

Requirements:

• 3+ years of experience conducting complex investigations

• 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders

• Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges

• Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements

• User-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset

• Ability to travel to vendor locations for up to 10% of the year

Preferred Qualifications:

• Experience in payments, e-commerce, social media, or fintech, mitigating digital/card-not-present fraud

• Experience investigating and mitigating card testing and account takeover attacks

• Experience designing fraud/risk workflows, analyst tooling, and processes/procedural workflows

• Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations