Anti-Fraud Analyst Open

PayDo, a leading Electronic Money Institution (EMI) authorised by the FCA in the UK, FINTRAC in Canada, and MFSA in Malta, operates in 140+ countries and over 25 industries. Offering multicurrency IBANs, merchant solutions, mass payment options, acquiring, open banking, PayDo provides premium and convenient payment services. With all features available through one platform and contract, PayDo is a preferred solution for modern online businesses.
As a Middle Anti-Fraud Specialist 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

• 2 years of experience in fraud prevention or detection, preferably in fintech, EMI, or banking
• Understanding of transaction flow and 3D Secure (3DS) flow
• Experience and understanding of anti-fraud rule creation and optimisation
• Proficiency in working with fraud detection systems, case management tools, and transaction monitoring platforms
• 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
• Experience with fraud detection platforms like SEON, Actimize, Sift, or similar
• 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
• English level - B2

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
• Certification in fraud examination
• Ability to handle incident response and support in case of major fraud events or system breaches

We work in a result-driven culture. You will fit in if you:
 

• Own your work with no excuses.
• Take initiative and act before being told.
• Deliver results that make a real impact.
• Solve problems quickly with practical solutions.

What we offer:
 

• Annual Learning & Development Budget – invest in your growth with dedicated funds for courses, training, and certifications.
• Regular Performance Reviews Based on KPIs – for your professional growth.
• Transparent career growth based on exceptional performance.
• Innovation Financial Rewards – share your ideas through our PayDo Ideas Hub and earn extra bonuses.
• Public Holidays tailored to your country’s calendar.

• Flexible Payout Options – PE accounts or popular e-wallets.

   

Become part of a global team redefining FinTech. Your expertise, passion, and ideas will shape the future of payments with PayDo!