Fraud & Compliance Analyst

Job not on LinkedIn

🕒 May 26

🇬🇧 United Kingdom – Remote

⏰ Full Time

🟢 Junior

🚔 Compliance

🚫👨‍🎓 No degree required

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Bits

WebsiteLinkedInAll Job Openings

11 - 50 employees

💸 Finance

💳 Fintech

💰 $125k Seed Round on 2020-08

Finance • Fintech

Bits is a financial services company based in the UK, trading under the name Fea Card Limited. The company focuses on helping individuals build and improve their credit scores through their products, such as the Bits Credit Card and Bits Store Card. These products provide opportunities for users to establish credit history by reporting payments to major credit bureaus. Bits aims to assist users in building credit responsibly, emphasizing the importance of timely payments. While the company offers unregulated products structured under certain exemptions, it also operates under the authorization and regulation of the Financial Conduct Authority for its credit information services. Bits's mission is to support credit building without leading users into debt, offering services primarily to those who want to improve their financial standing without incurring additional interest.

📋 Description

• 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

🎯 Requirements

• 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 • **Desirable ** • Experience handling FOS complaints • Knowledge of Consumer Duty and TCF principles • ICA or similar compliance certification