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• Detect, investigate, and prevent fraudulent activity across customer accounts and transactions • Monitor and respond to fraud alerts, identifying patterns and emerging threats • Conduct Enhanced Due Diligence (EDD) on higher-risk customers • Prepare and submit Suspicious Activity Reports (SARs) as required • Conduct KYC screening including PEPs, sanctions, adverse media, and fitness & probity checks • Manage ongoing monitoring and periodic reviews of customer risk profiles • Support AML reporting and regulatory submissions • Maintain accurate records and documentation for audit purposes • Manage Stripe disputes and Mastercard Mastercom chargeback cases end-to-end • Investigate disputed transactions, gather evidence, and prepare representment documentation • Track dispute outcomes and identify root causes to reduce future chargebacks • Handle escalated customer tickets and complaints, including Financial Ombudsman Service (FOS) cases • Review and respond to CIFAS markers and data-sharing requests • Work with internal teams to resolve complex customer issues • Evaluate and update fraud, AML, and compliance policies • Support internal and external audits with third-party vendors • Contribute to process improvements and automation initiatives

Role Description We're looking for a detail-oriented Fraud & Compliance Analyst to join our team. You'll play a critical role in protecting our customers and the business through fraud prevention, dispute management, regulatory compliance, and customer escalation handling. Key Responsibilities: - Fraud & Financial Crime - Detect, investigate, and prevent fraudulent activity across customer accounts and transactions - Monitor and respond to fraud alerts, identifying patterns and emerging threats - Conduct Enhanced Due Diligence (EDD) on higher-risk customers - Prepare and submit Suspicious Activity Reports (SARs) as required - KYC & AML Compliance - Conduct KYC screening including PEPs, sanctions, adverse media, and fitness & probity checks - Manage ongoing monitoring and periodic reviews of customer risk profiles - Support AML reporting and regulatory submissions - Maintain accurate records and documentation for audit purposes - Disputes & Chargebacks - Manage Stripe disputes and Mastercard Mastercom chargeback cases end-to-end - Investigate disputed transactions, gather evidence, and prepare representment documentation - Track dispute outcomes and identify root causes to reduce future chargebacks - Customer Escalations & Complaints - Handle escalated customer tickets and complaints, including Financial Ombudsman Service (FOS) cases - Review and respond to CIFAS markers and data-sharing requests - Work with internal teams to resolve complex customer issues - Policy & Audit - Evaluate and update fraud, AML, and compliance policies - Support internal and external audits with third-party vendors - Contribute to process improvements and automation initiatives Qualifications - 1-3 years' experience in fraud, compliance, disputes, or financial crime within fintech or financial services - Understanding of UK AML regulations, KYC requirements, and FCA expectations - Experience with chargeback management (Visa/Mastercard dispute processes) - Familiarity with screening tools (e.g., Sumsub, ComplyAdvantage) and CRM/ticketing systems (e.g., Gorgias, Zendesk) - Strong analytical and investigative skills with excellent attention to detail - Ability to work independently and manage competing priorities Requirements - Experience handling FOS complaints - Knowledge of Consumer Duty and TCF principles - ICA or similar compliance certification