AML Operations Analyst – Fraud

This is a fully remote position, open to applicants in Nigeria.

📋 Description

• Assess fraud alerts and cases, making prompt decisions to block, restrict, or release activities.

• Investigate various types of fraud, including card funding fraud, account takeover, APP scams, first-party fraud, and coordinated account networks, utilizing device, IP, transaction, and identity data.

• Evaluate fraud reports and recall requests from customers, banks, and payment partners.

• Take necessary actions on affected accounts and respond within established SLAs.

• Analyze card disputes, collect evidence, and submit chargeback responses within specified deadlines.

• Address fraud-related customer inquiries with clarity, professionalism, and empathy.

• Recognize emerging fraud trends and propose changes to rules or controls.

• Escalate cases that involve money laundering concerns to the AML team.

• Collaborate with product, engineering, and payments teams to enhance fraud rules and controls.

• Report directly to the FinCrime Operations Manager.

• Engage in a role-based skills assessment, hiring manager interview, and bar raiser interview.

⛳️ Requirements

• 1–3 years of experience in fraud within a fintech, payments company, or bank.

• Practical experience with card fraud, chargebacks, APP scams, and account takeover investigations.

• Experience in managing fraud reports and recall requests from banks and partners.

• Knowledge of fraud regulations in the markets where LemFi operates, including APP scam reimbursement and card scheme dispute rules.

• Familiarity with KYC and ID verification checks is advantageous.

• Ability to make independent and swift defensible decisions.

• Strong written and verbal communication skills in English.

• Proficient in Google Sheets or Excel.

• Experience with SQL or Metabase is a plus.

• CFE, CAMS, or ICA certification is an advantage.

• Exceptional organizational skills and a keen attention to detail.

• Willingness to work shifts, including weekends and public holidays.

• Sound judgment in assessing customer and transaction risks.

• Ability to identify inconsistencies and red flags.

• Take ownership of decisions and cases until resolution.

• Comfort in a fast-paced and evolving environment, even under time constraints.

• Skill in utilizing alert and case data to facilitate accurate decision-making.

• Ability to collaborate effectively with global teams.

🏝️ Benefits

• Opportunity to tackle real-world problems.

• Global impact in your work.

• Opportunities for skill development and career growth within the Compliance Operations team.

• Possibilities for movement across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations.

• 24/7 operation with flexible shift scheduling, including weekends and public holidays.