Fraud Analyst - Digital Payments
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Key skills for this role
About the Role
PayTech Group seeks a Fraud Analyst to lead fraud risk and analytics for credit/debit card portfolios. The role involves detecting, analyzing, and preventing fraud through predictive modeling, customer behavior analysis, and point-of-compromise investigations.
Key Skills for This Role
Responsibilities
- Lead fraud detection and prevention activities by monitoring card transactions, analyzing suspicious behavior, and implementing timely actions to minimize fraud losses across credit and debit card portfolios
- Develop and optimize fraud rules and alerts by continuously reviewing fraud trends, market developments, and risk indicators to enhance fraud controls and mitigate emerging threats
- Drive advanced fraud analytics and predictive modeling to proactively identify fraudulent patterns, conduct point of compromise (CPP) analysis, and prevent future fraud incidents
- Collaborate with the business to leverage scheme risk management tools, refine fraud strategies, and adopt industry best practices for payments security and fraud prevention
- Monitor and improve card authorization performance by analyzing authorization rates across channels and products, identifying trends, and implementing initiatives to increase approval rates and enhance customer experience
- Deliver business insights and process improvements through data analytics, operational reviews, and targeted initiatives that drive efficiency, support growth opportunities, and strengthen overall risk management capabilities
Requirements
- Strong experience in detecting, investigating, and mitigating fraud across credit and debit card portfolios
- Expertise in fraud monitoring, loss prevention, and fraud strategy optimization
- Hands on experience utilizing scheme tools to enhance fraud detection and improve transaction performance
- Proven ability to analyze large transaction datasets, identify fraud patterns and points of compromise, perform customer behavior analysis, and apply predictive analytics
- Comprehensive knowledge of the card transaction lifecycle, including authorization, clearing, settlement, and reconciliation
- Knowledge of payment technologies such as EMV chip, magnetic stripe, contactless, e commerce, tokenization, and digital wallets
- Experience in translating analytical insights into actionable fraud strategies, conducting root cause analysis, driving process improvements
- Ability to collaborate effectively with internal teams, issuers, acquirers, and external partners
Full Job Posting
Purpose of the Project
- The job holder will be responsible for leading the Fraud Risk and Analytics function for credit and debit card portfolios, with a focus on detecting, analyzing, and preventing fraudulent activity while minimizing business losses.
- The role drives the development of proactive fraud analytics capabilities through predictive modeling, customer behavior analysis, and point of compromise investigations to identify emerging threats and strengthen fraud controls.
- You will be accountable for evaluating payment technologies, improving transaction authorization rates, and leveraging risk management tools to enhance fraud prevention strategies.
- The position also supports business growth and operational efficiency through data driven insights, root cause analysis, process improvements, and the implementation of industry best practices to ensure a secure and resilient payments environment.
Core Responsibilities and Accountabilities
- Lead fraud detection and prevention activities by monitoring card transactions, analyzing suspicious behavior, and implementing timely actions to minimize fraud losses across credit and debit card portfolios.
- Develop and optimize fraud rules and alerts by continuously reviewing fraud trends, market developments, and risk indicators to enhance fraud controls and mitigate emerging threats.
- Drive advanced fraud analytics and predictive modeling to proactively identify fraudulent patterns, conduct point of compromise (CPP) analysis, and prevent future fraud incidents.
- Collaborate with the business to leverage scheme risk management tools, refine fraud strategies, and adopt industry best practices for payments security and fraud prevention.
- Monitor and improve card authorization performance by analyzing authorization rates across channels and products, identifying trends, and implementing initiatives to increase approval rates and enhance customer experience.
- Deliver business insights and process improvements through data analytics, operational reviews, and targeted initiatives that drive efficiency, support growth opportunities, and strengthen overall risk management capabilities.
Knowledge and Experience
- Strong experience in detecting, investigating, and mitigating fraud across credit and debit card portfolios, with expertise in fraud monitoring, loss prevention, and fraud strategy optimization.
- Hands on experience utilizing scheme tools to enhance fraud detection and improve transaction performance.
- Proven ability to analyze large transaction datasets, identify fraud patterns and points of compromise, perform customer behavior analysis, and apply predictive analytics to proactively prevent fraud and optimize business outcomes.
- Comprehensive knowledge of the card transaction lifecycle, including authorization, clearing, settlement, and reconciliation, as well as payment technologies such as EMV chip, magnetic stripe, contactless, e commerce, tokenization, and digital wallets.
- Experience in translating analytical insights into actionable fraud strategies, conducting root cause analysis, driving process improvements, and collaborating effectively with internal teams, issuers, acquirers, and external partners to strengthen controls and enhance customer experience.
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