AML Operations Analyst - Fraud

About this role

An AML Operations Analyst (Fraud) at LemFi is part of the Compliance Operations team, focusing on preventing fraud while maintaining a smooth customer experience. The role involves reviewing fraud alerts and cases, conducting end-to-end investigations into fraud types such as card funding fraud and account takeover, handling fraud reports and recall requests, and managing chargebacks. The analyst will collaborate with product, engineering and payments teams and may be placed in a different area aligned with skills. The role requires someone who can make defensible decisions quickly, communicates well in English, and is comfortable with a 24/7 operation and varying shifts. LemFi operates across remittances, multi-currency accounts, savings, eSIMs and credit in over 21 countries.

What you would do

• Review fraud alerts and cases and decide to block, restrict or release activity
• Run end-to-end investigations into fraud types using device, IP, transaction and identity data
• Handle fraud reports and recall requests from customers, banks and partners
• Manage card chargebacks and submit responses within deadlines
• Respond to fraud-related customer tickets with clarity and empathy
• Identify emerging fraud patterns and propose rule or control changes
• Escalate cases with money laundering concerns to the AML team
• Collaborate with product, engineering and payments teams to improve fraud rules and controls

What they are asking for

• 1-3 years of fraud experience in fintech, payments or banking
• Hands-on experience with card fraud, chargebacks, APP scams and account takeover investigations
• Experience handling fraud reports and recall requests from banks and partners
• Understanding of fraud rules in relevant markets including APP scam reimbursement and card scheme dispute rules
• Familiarity with KYC and ID verification checks is a plus
• Ability to make defensible, independent decisions quickly
• Strong written and verbal English communication
• Proficiency with Google Sheets or Excel; SQL or Metabase is a plus
• CFE, CAMS or ICA certification is a plus
• Excellent organisational skills and attention to detail

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