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AML Operations Analyst - Fraud (Remote)
About this role
The role is for an AML Operations Analyst focused on fraud, based remotely. It sits within the Compliance Operations team of LemFi, a neobank with entities in several countries, and involves protecting the company and customers from fraud while maintaining a good user experience. The analyst investigates fraud alerts and cases, handles fraud reports and chargebacks, and helps identify new fraud patterns. The position reports to the FinCrime Operations Manager and collaborates with product, engineering and payments teams. The employer operates 24/7 and requires familiarity with regulatory requirements across multiple regions.
What you would do
- Respond to fraud related customer tickets with clarity and empathy
- Identify emerging fraud trends and suggest rule or control changes
- Run end to end investigations into fraud such as card funding fraud, account takeover, APP scams and coordinated networks
- Review card disputes, gather evidence and submit responses within deadlines
- Collaborate with product, engineering and payments teams to improve fraud rules and controls
- Review fraud alerts and cases and make decisions to block, restrict or release activity
- Review fraud reports and recall requests from customers, banks and partners and take action within SLAs
- Escalate money laundering concerns to the AML team
- Support 24/7 fraud operations including weekend and public holiday shifts
- Maintain accurate documentation and notes for case outcomes
What they are asking for
- 1 to 3 years of fraud experience in fintech, payments company or bank
- Hands-on experience with card fraud, chargebacks, APP scams and account takeover investigations
- Familiarity with KYC and ID verification checks is a plus
- Good skills in Google Sheets or Excel; SQL or Metabase is a plus
- Strong written and verbal communication skills in English
- Understanding of fraud rules in operating markets including APP scam reimbursement and card scheme dispute rules
- Excellent organisational skills and attention to detail
- Willingness to work shifts including weekends and public holidays as part of a 24/7 operation
- CFE, CAMS or ICA certification is a plus
- Ability to make defensible decisions quickly and handle fraud reports from banks and partners
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