Fraud Analyst, Fraud Investigations

🕒 April 24

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MoonPay

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2018

₿ Crypto

💳 Fintech

🌐 Web 3

💰 $87M Series A on 2022-04

Crypto • Fintech • Web 3

MoonPay is a leading platform in the cryptocurrency industry, providing users with a seamless way to buy, sell, and swap cryptocurrencies. With a focus on user experience, MoonPay allows individuals to integrate various payment methods, such as Apple Pay, Google Pay, and PayPal, to quickly purchase crypto assets. MoonPay is decentralized, offering non-custodial services in over 180 countries and supporting more than 50 crypto assets. The platform prioritizes security and compliance, employing AES-256 encryption and adhering to standards like PCI-DSS and ISO certifications. Additionally, MoonPay facilitates easy management of digital wallets and collectibles, ensuring users can monitor their portfolio across its 300+ partners.

📋 Description

• 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. • 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. • 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. • 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. • 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.

🎯 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.

🏖️ Benefits

• Competitive salary package • 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