Risk and Fraud Investigator

About the Role

We need a hands-on Team Lead to run our day-to-day operations across Transaction Monitoring, Chargeback Management, and Law Enforcement (LEA) responses.

You’ll direct a team of analysts tackling financial crime, payment disputes, and responding to tight-turnaround legal demands. If you know payment system rules, have dealt directly with police or regulatory orders, and know how to keep a fraud team running smoothly, this role is for you.

What You'll Do

• •Team & Operational Leadership
• •Direct the daily queue, ensuring the team hits strict SLAs on alerts, chargebacks, and legal notices.
• •Coach analysts through complex cases, run regular quality checks, and handle escalated fraud decisions.
• •Keep standard operating procedures updated as card network rules and regulations change.
• •Transaction Monitoring & Fraud Operations
• •Monitor live transaction streams to catch suspicious behaviour, account takeovers, and money laundering patterns.
• •Partner with Product and Risk Engineers to tweak monitoring rules, trim down false positives, and plug fraud vectors.
• •Lead deep-dive investigations into complex fraud cases and flagged accounts.

Chargebacks & Disputes

• •Run end-to-end representment operations across Visa, Mastercard, and local payment rails.
• •Drive up our win rates and keep our overall dispute and fraud ratios well clear of network monitoring thresholds.
• •Feed chargeback root-cause insights back to product and customer support to fix underlying issues.
• •Law Enforcement Liaison & Legal Requests
• •Handle intake, validation, and fulfilment for subpoenas, court orders, police requests, and asset freezes.
• •Serve as the point of contact for law enforcement inquiries while ensuring data disclosures remain fully compliant with privacy laws.
• •Maintain clean audit trails and tracking for all legal and law enforcement requests.

What We’re Looking For

• •4–6 years of experience in fraud ops, risk, or compliance within fintech, payments, or e-commerce.
• •2+ years in a supervisory role, squad lead, or senior analyst position where you mentored others and managed queues.
• •Solid operational track record across all three core areas: tuning transaction monitoring rules, handling chargeback representments (Visa/Mastercard VROL/Mastercard Connect), and processing LEA notices.
• •Data-fluent: Comfortable pulling data in Excel or SQL to build quick reports, track team SLAs, and spot fraud trends.
• •Sound judgment: Sharp communication skills with the composure to handle sensitive legal requests and high-risk fraud escalations cleanly.