Company Overview

The organization operates within the financial technology industry, delivering digital financial products and transaction services that support businesses and customers across technology-driven financial environments.

Its business activities depend on secure transaction processing, effective fraud prevention, and reliable financial systems. As digital payments become increasingly interconnected, the organization continues to strengthen its capabilities in transaction monitoring, fraud detection, and operational security.

The company is seeking an analytical professional who can contribute to the prevention of fraudulent financial activity while supporting legitimate customer transactions and maintaining effective fraud management procedures.

Role Summary

The Digital Payment Fraud Prevention Analyst will monitor financial transactions, investigate suspicious activity, and support the development of effective fraud prevention controls across digital payment services.

The role involves analyzing transaction patterns, reviewing fraud alerts, investigating unusual account activity, and identifying potential weaknesses in existing fraud detection processes.

The successful candidate will collaborate with payment operations, compliance, risk management, and technology teams to investigate incidents and improve fraud prevention capabilities.

This position requires strong analytical judgment, an understanding of digital payment workflows, and the ability to interpret transaction data to identify suspicious behavior without unnecessarily disrupting legitimate financial activity.

Key Responsibilities

• Monitor digital payment transactions and fraud detection alerts to identify potentially suspicious financial activity.

• Investigate unusual transaction patterns, account behavior, payment anomalies, and potential fraud indicators.

• Analyze transaction data to identify emerging fraud trends, suspicious activity patterns, and potential control weaknesses.

• Review alerts generated by fraud monitoring systems and determine appropriate escalation or investigation procedures.

• Support the investigation of payment fraud incidents, unauthorized transactions, account misuse, and suspicious payment activity.

• Document investigation findings, supporting evidence, and recommended actions in accordance with internal procedures.

• Collaborate with compliance and risk teams to support fraud-related investigations and financial crime prevention activities.

• Work with technical teams to improve fraud monitoring rules, detection logic, and transaction analysis capabilities.

• Monitor fraud performance indicators, including alert volumes, confirmed fraud cases, false positives, and investigation outcomes.

• Identify opportunities to improve fraud detection accuracy and reduce unnecessary transaction restrictions.

• Support the development and maintenance of fraud prevention procedures, investigation guidelines, and operational documentation.

• Assist in evaluating emerging fraud techniques and their potential impact on digital payment services.

• Prepare fraud monitoring reports and communicate significant trends to relevant stakeholders.

• Contribute to the continuous improvement of fraud prevention controls and transaction monitoring processes.

Requirements and Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Criminology, Information Systems, Risk Management, or a related discipline.

• At least three years of experience in fraud prevention, transaction monitoring, payment risk, financial crime analysis, or digital banking operations.

• Understanding of digital payment systems, transaction processing, and common fraud patterns.

• Experience reviewing transaction data, investigating suspicious activity, and documenting findings.

• Strong analytical skills and the ability to identify patterns in large volumes of financial information.

• Proficiency in Microsoft Excel and familiarity with data analysis or reporting tools.

• Familiarity with fraud detection systems, case management platforms, or transaction monitoring tools.

• Understanding of customer authentication, payment security, and fraud prevention controls.

• Ability to make evidence-based decisions and escalate cases appropriately.

• Strong written communication skills and attention to detail.

• Familiarity with SQL or analytical programming tools is an advantage.

• Professional proficiency in English. Estonian language skills are beneficial.

Benefits

• Remote working arrangement within Estonia.

• Competitive compensation based on experience and professional expertise.

• Opportunity to work with modern fraud detection and digital payment technologies.

• Professional development opportunities in fraud analytics, payment security, and financial risk management.

• Exposure to evolving fraud prevention techniques and technology-driven financial controls.

• Collaborative working environment with risk, compliance, operations, and engineering professionals.

• Opportunity to contribute to the security and reliability of digital financial services.

Application Instructions

Candidates should submit an updated CV outlining their experience in fraud prevention, payment risk, transaction monitoring, or financial crime analysis.

Applications should highlight practical experience with fraud investigations, transaction analysis, monitoring systems, and the documentation of investigation outcomes.

Candidates are encouraged to provide examples of how they have identified suspicious financial activity, improved fraud monitoring processes, or contributed to reducing fraud-related operational risks.

Are you interested in this position?

Apply by clicking on the “Apply Now” Button below!

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