Merchant Fraud Monitoring Analyst

About the role

The Merchant Fraud Monitoring Analyst will continuously monitor merchant and transaction activity to detect and prevent fraudulent behavior, ensuring the safety of the bank, its customers and the payments ecosystem. The role requires swift assessment of suspicious card and merchant transactions and decisive action in line with regulatory and card‑scheme requirements.

Key responsibilities

• Monitor transactions, merchant activity and ATM operations to identify suspicious or unusual activities.
• Investigate flagged transactions and act on detected fraud risks or scams.
• Review merchant and third‑party agent operations, websites, products and services for compliance with scheme rules and legal requirements.
• Support fraud investigations, report suspicious activities and provide recommendations to reduce fraud, chargebacks and operational risks.
• Ensure data quality in acquiring systems and maintain accurate records and reports of investigations.
• Collaborate with internal teams and external industry bodies to obtain information and provide fraud and chargeback guidance.

Required profile

• Bachelor’s degree in Finance, Criminology, Business or a related field.
• 2‑3 years of experience in fraud monitoring, risk management or banking operations.
• Familiarity with payment system regulations and anti‑money‑laundering practices.

Required skills

• Fraud detection software
• Data analysis tools