About the role
We’re looking for a Fraud Investigations Analyst to join the Fraud Squad at Cleo.
As a Fraud Investigations Analyst you'll be at the frontline of protecting both our users and the business from emerging fraud threats. You will play a critical role in helping shape the future of our fraud prevention strategy by turning data into actionable insight and partnering closely with cross-functional teams to move fast, iterate and stay ahead of attackers.
You’ll work in a fast-paced environment where analytical sharpness and strategic thinking are critical. Your work will help us answer questions like:
- What fraud is slipping through our defences?
- What’s driving our dispute rate this month?
- Where are our rules creating friction for legitimate users?
- How do we make better decisions, faster?
Key Responsibilities
Fraud Detection and Investigation
- Proactively review and investigate emerging fraud incidents and disputes.
- Investigate reported fraud cases and disputes to uncover broader trends and patterns.
- Develop and refine fraud rules to improve efficiency.
- Conduct root-cause analysis of false positives to fine-tune detection strategies.
- Proactively identify potential fraud threats and design and execute mitigation strategies.
- Work with the wider fraud squad to rapidly identify and mitigate fraud attacks through data-led diagnosis and short-term triage rule design and lead incident response.
- Stay on top of chargebacks / disputes and volume spikes and develop mitigation strategies to reduce losses and avoid threshold breaches (both for cards and ACH payments).
Data Analysis and Reporting
- Extract and analyse large volumes of transactional data using SQL.
- Produce comprehensive analysis with concise narrative on findings and proposed solutions, providing stakeholders with the information they need to take action.
- Build and maintain dashboards and reports that highlight fraud trends and KPIs.
- Own and monitor fraud KPIs and proactively flag areas of risk or opportunity.
- Improve access to fraud data through collaboration with engineering and AX teams.
- Present complex data findings to stakeholders in a clear and actionable manner.
Collaboration
- Work closely with product, operations, compliance, customer service and the wider fraud squad.
- Liaise with external third parties such as fraud vendor partners, payment partners.
What are we looking for?
To be successful in this role, you should possess the following qualifications and attributes:
- SQL Proficiency: You have 2 years + hands-on experience with SQL, using it to analyze data, identify trends, and support your investigations.
- Experience:
- You have a minimum of 2 years of experience in a Fraud Data Analyst or similar role within payments, fintech, or eCommerce.
- Expertise in fraud typologies including identity theft, CNP fraud, payment fraud, Account Takeovers etc.
- Versatility: You can seamlessly switch between reactive and proactive work, handling urgent fraud cases while also focusing on long-term prevention strategies.
- Detail-Oriented: You have a keen eye for detail, with a passion for uncovering trends and insights from complex data sets.
- Analytical Skills: Ability to analyse anomalies, identify trends, and convert findings into prevention strategies.
- Communication skills: excellent communication and stakeholder engagement skills.
