payabl. empowers businesses to grow through payments innovation and banking services. Our ambition is to expand our strong portfolio of global financial services we provide to business and make them all available in one place on our platform we call payabl.one.

As a licensed financial company with principal membership with card schemes, we specialize in global payments and providing businesses with multi-currency accounts. We are currently undergoing significant expansion and are looking for a Fraud Analyst to join our Risk team.

This role is about:

Being an essential member of our Risk team, you will be driving forward our capabilities in Fraud and Transaction Monitoring. In this role, you will take on the critical responsibility of protecting our organization against fraudulent activities, ensuring transactional integrity, and upholding compliance with regulatory standards. We are looking for an individual who not only demonstrates a sharp analytical mind and an exceptional focus on detail but who also takes a proactive and strategic stance on identifying and mitigating potential risks.

Joining our fast-growing company presents a remarkable opportunity to collaborate with a team of seasoned Risk professionals. Here, you will be encouraged to deepen your knowledge, expand your skill set, innovate improvement strategies, and actively participate in shaping and refining our vision of Risk management.

You will:

• Transaction Monitoring: Conduct regular reviews and analyses of transactional activity and performance metrics for merchants in your portfolio;
• Fraud Detection and Prevention: Employ various monitoring tools and strategies to identify and evaluate potential fraud, swiftly implementing preventative measures
• Fraud Detection and Prevention: Utilize various monitoring tools and techniques to identify and assess potential fraudulent transactions or activities, promptly mitigate the issues by implementing fraud prevention strategies;
• Chargebacks Monitoring: Monitor and analyze chargeback rates, categorize chargebacks, and work collaboratively with relevant departments to develop strategies to reduce chargeback ratios;
• Business Performance Evaluation: Evaluate merchants’ business performance indicators, including sales volumes, revenue trends, approval ratios, 3DS performance, declines and customer behaviour, to identify areas of improvement or potential risks. Collaborate with the Operations department to provide recommendations for enhancing merchant performance;
• System Utilization: Use internal and external monitoring systems, tools, and data analysis software to perform monitoring activities efficiently and effectively. Work closely with internal teams on developing and maintaining internal anti-fraud prevention tools;
• Third-party providers evaluation: conduct a comprehensive assessment, analysis, and effectiveness evaluation of current and potential third-party providers. Work closely with potential partners and internal stakeholders;
• Risk Mitigation: Assist in the development and implementation of risk management strategies to minimize potential risks associated with merchant activities, transactions, fraud, and PCI DSS compliance. Collaborate with internal teams to proactively identify risk factors and implement necessary controls;
• Reporting and Documentation: Maintain accurate records of monitoring activities, generate reports, and document findings and recommendations for management review. Provide regular updates to relevant stakeholders and participate in meetings to discuss monitoring findings.
• Collaboration: Work closely with cross-functional teams, including Client Success, Client Relationship, Finance, AML, and internal Risk team to address merchant concerns, resolve issues, and implement appropriate actions;
• Stay Updated: Keep abreast of industry trends, Alternative Payment Methods trends, Card Schemes rules and programs, fraud techniques, regulatory changes, emerging payment technologies, and evolving PCI DSS requirements to enhance monitoring and risk mitigation strategies.

What we need:

• A profound knowledge of Fraud and Transaction Monitoring, Merchant Monitoring, or Payments within a similar sector;
• Minimum of 3 years’ experience in a comparable role;
• Exceptional analytical capabilities;
• Skilled in conducting in-depth investigations with meticulous attention to detail;
• A proactive and initiative-taking work approach;
• Superior English communication abilities, both in writing and speaking;
• Proficient multitasking skills;
• A high-performance mindset with a keen eye for detail;
• Collaborative Team Player: Ability to work effectively within a team environment and contribute to team objectives.
• Adaptability: Comfortable with fast-paced change and able to adjust strategies and actions on the fly.
• Decision-Making: Demonstrates sound judgment in making decisions and solving problems, even under pressure.
• Ethical Integrity: Maintains high ethical standards and confidentiality in dealing with sensitive information.
• Leadership Potential: Shows the capacity to take charge of situations and guide colleagues when necessary, inspiring confidence and demonstrating leadership qualities.
• A profound knowledge of Fraud and Transaction Monitoring, Merchant Monitoring, or Payments within a similar sector;

The perks of being a payab.ler:

• 💷 Attractive Compensation and Revolutionary Opportunities: Join us and play a key role in transforming the payments industry with a competitive salary
• 🎓 Immense Educational Opportunities: Benefit from significant contributions to your professional training and development
• 🌴Generous Vacation Policy: Enjoy 25 days off plus public holidays, along with 10 days of sick leave, ensuring ample time to rest and recharge
• 🏠Hybrid Working Option: Choose how you work best with our flexible hybrid working arrangements
• 🎂Half Day Off on Your Birthday: Take a half-day off to celebrate your birthday, because you deserve it!
• 🤝 Team Bonding: Participate in regular team events, business trips, and activities that build a strong, collaborative culture
• 🏢 Central Office with Gym: Work in a well-located office boasting an excellent gym, enhancing your work-life balance with easy access to transport

Ready to Join Us?

Let’s embark on a journey to redefine the landscape of payments together. We’re not just offering a role; we’re inviting you to be a part of something bigger. Join our team, and let’s innovate, disrupt, and lead the future of payments. Together, we can make an impact that resonates. Welcome to the team!

If this role seems like a good match, please submit your resume all applications are treated with the strictest confidentiality. Please note that we may keep your CV for a period of one (1) year for future relevant job opportunities. For more information about how we process your data please see our privacy policy at https://www.payabl.com/privacy-policy