Company Overview

The organisation operates within the financial technology and digital payments sector, supporting secure electronic transactions and technology-driven payment services. Its activities involve payment processing, transaction monitoring, financial risk assessment, and the development of reliable digital financial infrastructure.

Through a combination of technology, analytical capabilities, and operational expertise, the organisation aims to strengthen payment security, improve transaction reliability, and support responsible growth within the digital financial services ecosystem.

Role Summary

The Digital Payments Risk Analyst will be responsible for analysing transaction activity, identifying payment-related risks, and supporting the development of effective controls across digital payment operations.

The successful candidate will examine transaction patterns, investigate unusual payment behaviour, evaluate emerging risk indicators, and provide analytical insights that support fraud prevention and payment security.

Working alongside payment operations, compliance, data, and technology teams, the analyst will contribute to the identification of suspicious activities, reduction of financial losses, and improvement of transaction monitoring processes.

Key Responsibilities

• Analyse digital payment transactions to identify unusual patterns, suspicious activities, and potential financial exposure.

• Monitor transaction activity across payment channels, identifying anomalies that may indicate fraud, account misuse, or unauthorised transactions.

• Investigate payment-related alerts and assess their relevance using transaction history, customer activity, and available risk indicators.

• Develop analytical reports covering payment risks, fraud trends, transaction anomalies, and emerging operational vulnerabilities.

• Support the review and improvement of transaction monitoring rules and payment risk assessment methodologies.

• Work with data and engineering teams to improve the accuracy and effectiveness of automated payment monitoring systems.

• Evaluate transaction behaviour across different payment methods, geographical markets, and customer segments.

• Identify recurring payment failures, chargeback patterns, suspicious refund activities, and other potential indicators of financial risk.

• Assist in maintaining risk assessment documentation, investigation records, and internal reporting procedures.

• Collaborate with compliance teams on investigations involving suspicious transactions and relevant financial crime indicators.

• Monitor key risk indicators and recommend appropriate measures to reduce exposure to payment fraud and operational losses.

• Support periodic reviews of payment risk policies, internal controls, and transaction assessment procedures.

• Present analytical findings and practical recommendations to relevant stakeholders.

Requirements and Qualifications

• Bachelor’s degree in Finance, Economics, Mathematics, Statistics, Data Analytics, Accounting, or a related discipline.

• Relevant professional experience in payment risk analysis, fraud prevention, transaction monitoring, or financial services analytics.

• Good understanding of digital payment processing, card transactions, electronic transfers, and payment service operations.

• Strong analytical skills with the ability to identify patterns and interpret complex transaction data.

• Practical knowledge of SQL and spreadsheet-based analytical tools.

• Familiarity with fraud monitoring systems, risk management platforms, or financial intelligence tools.

• Understanding of chargebacks, payment disputes, transaction anomalies, and fraud prevention controls.

• Ability to prepare structured investigation reports and communicate findings effectively.

• Strong attention to detail and sound judgement when assessing potentially suspicious activity.

• Ability to work independently while collaborating with international and cross-functional teams.

• Professional proficiency in English.

Benefits

• Remote working opportunities within Estonia under a flexible hybrid arrangement.

• Opportunity to work within the evolving digital payments and financial risk industry.

• Exposure to transaction intelligence, fraud prevention, and payment security technologies.

• Professional development opportunities in fintech risk management and financial analytics.

• Collaborative environment involving payments, compliance, and technology specialists.

• Opportunities to contribute to the improvement of digital payment security and operational controls.

Application Instructions

Interested applicants should submit an updated CV outlining their experience in payment risk, transaction analysis, fraud prevention, or financial services. Candidates should highlight their analytical capabilities, familiarity with digital payment systems, and experience identifying and assessing transaction-related risks.

Are you interested in this position?

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

#JobsHubEstonia #GlobalRecruitment
#CareerOpportunities #HiringNow
#JobSeekersNetwork #EstoniaJobs
#RecruitmentServices #EmploymentPortal.