Fraud Analyst

Accountabilities: Own fraud detection and prevention activities for an assigned digital product, from identifying threats through resolution and continuous improvement.

Analyze large datasets using SQL to identify fraud patterns, anomalies, emerging attack vectors, and changes in user behavior.

Design, implement, maintain, and optimize dynamic fraud risk rules that can scale with business growth.

Monitor and improve false-positive rates while maintaining an effective balance between fraud prevention, conversion, and customer experience.

Own and optimize 3DS decisioning across multiple countries, determining when additional authentication should be triggered.

Analyze conversion, rejection, and verification drop-off rates and translate findings into data-driven improvements.

Design and maintain fraud detection logic, alerts, and workflows used by fraud operations teams.

Collaborate with Product, Payments, Data, and Engineering teams to strengthen fraud detection and verification systems.

Track fraud trends, communicate insights and recommendations clearly, and ensure decisions are informed by relevant risk indicators.

Take ownership of fraud-related decisions, evaluate their outcomes, and iterate quickly based on results.

Requirements:

Proven professional experience in fraud analysis, payments risk, risk management, or a closely related field, with demonstrated ownership of outcomes.

Strong SQL skills and practical experience working with large datasets; SQL proficiency is mandatory.

Hands-on experience creating, maintaining, and optimizing dynamic fraud risk rules.

Strong understanding of fraud patterns, user behavior, payment risks, and relevant key risk indicators.

Practical knowledge of 3DS and authentication strategies across different countries and regions.

Strong analytical, problem-solving, and critical-thinking abilities, with confidence making data-backed decisions.

Excellent communication skills and the ability to explain complex analytical or technical topics clearly to different stakeholder groups.

Professional fluency in English, with strong written and verbal communication skills.

Python experience is a plus.

Experience in fintech, payments, payment processing, or high-growth digital product environments is advantageous.

Familiarity with fraud and payments solutions such as Forter, nSure, or justt.Ai is a plus.

Knowledge of PSD2, SCA, TRA, and liability-shift concepts is beneficial.

Experience working across international, multi-market environments is an advantage.

Benefits:

Annual salary of €32,400–€40,020, depending on experience and level of responsibility.

Opportunity to participate in an employee stock options program.

Fully remote flexibility, with the option to work from an office and the opportunity to combine work with travel.

Performance-based, referral, and additional paid-leave bonus programs.

Personal learning budget to support continuous professional development.

Paid volunteering opportunities.

Opportunities to contribute to the growth and scaling of a unique digital product.

Strong opportunities for personal and professional growth, supported by structured feedback and promotion processes.

International, English-speaking working environment.

How Jobgether works: We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team. We appreciate your interest and wish you the best!  Why Apply Through Jobgether? 

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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