AML Operations Analyst – Fraud

• Review fraud alerts and cases and make timely decisions to block, restrict or release activity
• Investigate card funding fraud, account takeover, APP scams, first-party fraud and coordinated account networks using device, IP, transaction and identity data
• Review fraud reports and recall requests from customers, banks and payment partners
• Take action on affected accounts and respond within agreed SLAs
• Review card disputes, gather evidence and submit chargeback responses within deadlines
• Respond to fraud-related customer tickets with clarity, professionalism and empathy
• Identify emerging fraud trends and suggest rule or control changes
• Escalate cases involving money-laundering concerns to the AML team
• Collaborate with product, engineering and payments teams to improve fraud rules and controls
• Report to the FinCrime Operations Manager
• Participate in a role-based skills assessment, hiring manager interview and bar raiser interview

• 1–3 years of fraud experience in a fintech, payments company or bank
• 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 the markets LemFi operates in, including APP scam reimbursement and card scheme dispute rules
• Familiarity with KYC and ID verification checks is a plus
• Ability to make defensible decisions independently and quickly
• Strong written and verbal communication skills in English
• Good skills in Google Sheets or Excel
• SQL or Metabase is a plus
• CFE, CAMS or ICA certification is a plus
• Excellent organisational skills and strong attention to detail
• Willingness to work shifts, including weekends and public holidays
• Sound judgement when assessing customer and transaction risk
• Ability to spot inconsistencies and red flags
• Ownership of decisions and cases through completion
• Comfort working in a fast-changing environment and under time pressure
• Ability to use alert and case data to support accurate decision-making
• Ability to work well with global teams

• Room to own real problems
• Global impact
• Opportunities to develop skills and grow within the Compliance Operations team
• Opportunities to move across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations
• 24/7 operation with shift scheduling, including weekends and public holidays