moonpay - Fraud Analyst, Fraud Investigations
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Requirements
• 3+ years of experience in fraud detection, prevention, and investigation, preferably in financial services, payments, or e-commerce. • Demonstrated experience leading complex fraud investigations from initial alert through to root cause analysis and remediation. • Hands-on experience building, implementing, and tuning fraud detection rules, including rule backtesting and performance management. • Strong understanding of fraud typologies, attack vectors, and emerging trends in the crypto and digital payments space. • Experience with data analysis tools and the ability to derive conclusions and recommendations from large datasets (e.g. SQL, Excel, or BI tools). • Excellent critical thinking and risk assessment skills—you can evaluate the likelihood and impact of fraudulent activity under pressure and make sound decisions. • Strong attention to detail with the ability to maintain accuracy and thoroughness in a high-volume, fast-paced environment. • Clear, professional communication skills with the ability to write concise case notes, escalations, and cross-functional updates. • A proactive, ownership-driven mindset—you identify problems, propose solutions, and drive them to completion. • Experience in the cryptocurrency or blockchain industry. • Coding ability (e.g. SQL, Python) for data analysis, automation, or building investigative tools. • Experience building or working with AI/ML-powered fraud detection systems or agents. • Familiarity with blockchain analytics and on-chain investigation tools (e.g. Chainalysis, TRM Labs, Elliptic). • Experience managing or providing QA oversight to BPO or outsourced operations teams. • Knowledge of chargeback processes and card scheme fraud programmes. • We’re looking for people who live our core values, those who strive for excellence and want to leave a lasting legacy on the global financial system. Our values: • C - Crypto Curious • Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learnt, diversity cannot.
Responsibilities
• Incident Management • Act as an incident commander during live fraud attacks, coordinating containment and response across teams. • Lead complex fraud investigations, identifying root causes and recommending permanent fixes to prevent recurrence. • Assess the severity of fraud cases and escalate high-risk cases to the Manager or Compliance in a timely manner. • Execute rapid containment actions (blocks, freezes, restrictions) to minimise fraud exposure during active incidents. • Rule Management • Review, build, implement, and tune fraud detection rules to optimise accuracy and minimise false declines. • Backtest rule logic against historical data to validate effectiveness before deployment. • Monitor rule performance in production and iterate based on real-time data and investigation outcomes. • Own the False Decline Rate for rules implemented by the Fraud Investigations team, keeping it within acceptable thresholds. • Quality Assurance & BPO Oversight • Conduct quality assurance reviews on BPO fraud analyst casework, assessing both process adherence and decision-making accuracy. • Provide structured feedback and coaching to BPO teams to drive continuous improvement in investigation quality. • Define and maintain QA scoring frameworks and calibration standards. • Agent Building & Automation • Build, deploy, and QA AI-powered agents and automation workflows that enhance fraud detection and investigation efficiency. • Identify opportunities to automate repetitive investigation tasks and scale the team’s operational capacity. • Partner with Engineering, Data, and ML teams to translate investigative insights into scalable tooling and controls. • Cross-Functional Collaboration & Reporting • Engage with Product, ML, Engineering, and Compliance teams to support investigations and contribute to fraud mitigation strategies. • Provide support to internal teams raising fraud queries, acting as a subject matter expert on fraud risk. • Ensure accurate and timely documentation of fraud cases, maintaining clear records for internal reporting and external audit requirements. • Identify gaps in tooling or processes and provide actionable feedback to improve detection accuracy and investigation efficiency.
Benefits
• 🤝 Equity package: We believe financial freedom starts with our employees, so all employees have ownership at MoonPay • 📈 Pay for performance equity bonus: Those who drive outsized outcomes receive outsized rewards • 🚀 Moonshot award. We honor exceptional impact - 10 employees twice a year, each earning a $250,000 equity grant. • 🏝 Unlimited holidays: We give you the autonomy to choose when to work (and when to switch off) • 🌍 Hybrid working schedule: Work fully remotely or your nearest Moonbase, the choice is yours • 🩺 Private Healthcare benefits: To protect you and your loved ones • 🍼 Enhanced parental leave: So you can spend more time with your loved ones without a second thought • 📚 Annual training budget: We support your training journey every step of the way • 🪑 Home office setup allowance: Create the home office of your dreams • 👛 Remote working allowance: Those working fully remotely get a little extra for utilities • 💰 Monthly budget to spend on our products and zero fee crypto transactions: Cultivate your inner DEGEN • 💰 Employee referral programme: Great people know great people, refer them to receive 10K in USDC • ✈️ Regular remote company offsites: Meet your colleagues regularly for high impact in person sessions and hackathons • 🚀 Working in a disruptive and fast-growing company where excellence is rewarded • Commitment To Diversity
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