Middle Anti-Fraud Specialist

Description
As a Middle Anti-Fraud Specialist at an Electronic Money Institution (EMI), you will be responsible for detecting, investigating, and preventing fraudulent activities across digital financial services. This role involves monitoring transactional data, analysing suspicious behaviour, and working cross-functionally with compliance, risk, and tech teams to enhance fraud detection and mitigation systems. You will contribute to ensuring the safety and integrity of the company’s financial ecosystem while maintaining a balance between customer experience and fraud risk.

Requirements

• 1 year of experience in fraud prevention or detection, preferably in fintech, EMI, or banking
• Strong knowledge of financial fraud typologies including identity theft, account takeover, social engineering, phishing, and synthetic identities
• Familiarity with AML (Anti-Money Laundering) practices and regulatory frameworks
• Proficiency in working with fraud detection systems, case management tools, and transaction monitoring platforms
• Good analytical and critical thinking skills with the ability to assess patterns, data anomalies, and fraud indicators
• Strong communication skills for preparing reports and communicating with internal teams or external partners

Responsibilities

• Monitor transactions and user behaviour for signs of fraud using internal tools and third-party systems
• Investigate suspicious cases thoroughly, gather evidence, and recommend appropriate actions such as blocking transactions, freezing accounts, or escalating to senior staff
• Maintain and update internal fraud rules, thresholds, and alert systems in collaboration with the Risk and IT teams
• Analyse fraud trends and propose process improvements or system enhancements to reduce future risk
• Support customer support teams in resolving fraud-related inquiries and disputes
• Prepare regular and ad-hoc reports on fraud incidents, and trends for internal stakeholders

Nice to have

• Experience working in an EMI or payment service provider regulated in the EU or UK
• Familiarity with fraud detection platforms like SEON, Actimize, Sift, or similar
• Certification in fraud examination
• Experience with SQL, Python, or data visualization tools (e.g., Power BI, Tableau) for fraud data analysis
• Knowledge of card fraud mechanisms (3DS, chargebacks, BIN attacks) and tools used in card transaction monitoring
• Ability to handle incident response and support in case of major fraud events or system breaches