Senior Fraud Investigator

Key Responsibilities:
Review daily user and merchant transactions, perform in-depth risk checks on the transaction monitoring system, and generate periodic risk reports.
Review and investigate suspicious cases triggered by fraud detection rules; maintain high sensitivity to abnormal/fraudulent behaviors to minimize losses at an early stage and stay alert to emerging fraud trends.
Analyze fraud patterns and maintain a fraud case database / fraud typology library; ensure all alerts are reviewed, resolved, and properly documented within defined timelines (SLA).
Coordinate with relevant departments (e.g., Ops, Business, Merchant, Compliance) to collect supporting documents, invoices, and merchant-related information for investigation purposes.
Handle and oversee fraud-related cases and disputes, ensuring proper documentation, evidence collection, and coordination with banks, partners, and relevant stakeholders.
Develop and propose guidelines, procedures, and playbooks for fraud investigation and suspicious activity detection.
Review and assess fraud risks across the user lifecycle, including eKYC, transaction behavior, and account activities..
Design, test, and optimize fraud detection rules and scenarios; collaborate with Tech/Data teams to deploy rules and monitor performance post-implementation.
Monitor and assess merchant risk behavior, especially high-risk segments (cross-border merchants, tourist-focused merchants, high-risk industries), and recommend appropriate mitigation actions.
Contribute to the development and enhancement of internal policies, procedures, and risk control frameworks.
Continuously identify gaps in current fraud controls and proactively propose improvements to enhance detection capability and operational efficiency.
Prepare and deliver weekly/monthly fraud analysis reports, including fraud trends, key insights, and actionable recommendations.
Requirements:
Bachelor degree in Finance, Banking, Economics, Data Analytics, or related fields.
5+ years of experiences in fraud risk, transaction monitoring, or risk operations (fintech, banking, payments intermediary services preferred)
Proven experience in implementing and managing anti-fraud programs, including fraud rule design and optimization, the ability to identify, investigate, and mitigate various types of fraud risks.
Experience in merchant acquiring, payment gateway, or cross-border payment environments is a strong advantage
Knowledge and experience in the field of risk management at bank or financial organization, fintech or E-wallet company, understand core banking or E-wallet system.
Strong understanding of payment systems, fraud patterns, risk controls
Have knowledge and experience on fraud card/QR transaction/ Cross-border payment/ fraud rule building, monitoring tools, and case investigation
Good skill to collect, analyze, evaluate and synthesize information, data analysis.
Solid analytical thinking and strong problem-solving skill.
Good communication skills and ability to work cross-functionally
Ability to build trusted relationships at all levels.
Ability to balance fraud risk control and business impact in a fast-growing environment