Fraud & Risk Management Analyst (Payments, Neo-Banking & Crypto)
6 days ago
Fraud & Risk Management Analyst (Payments, Neo-Banking & Crypto)
Location:
Bengaluru (WFO) |
Function:
Risk & Fraud |
Type:
Full-time
Compensation:
Competitive base + performance-linked bonus + ESOPs based on performance|
Tools:
MacBook provided
Why FinFusion
FinFusion builds future-ready FinTech platforms—ZenPay (Neo-Banking & Global Payments) and Verafye (AI-powered Fraud & Risk). You'll join a hands-on, fast-moving team shipping real-time transaction monitoring at scale across cards, global bank rails (UPI/ACH/SWIFT/RTP/SEPA/), wallets, and crypto.
The Opportunity
We're hiring a
Fraud & Risk Management Analyst
with deep domain expertise in
banking or payments
(crypto exposure strongly preferred). You will transform raw data into actionable insights—
discovering patterns, designing fraud rules & business logic,
and partnering with Data/ML to continuously
train and improve models
. Your work will directly lower fraud losses, increase approval rates, and protect customers across markets.
What You'll Do
- Transaction Monitoring & Detection
- Analyze production streams (web, mobile, API, POS) to uncover fraud patterns (account takeovers, mule networks, triangulation, friendly fraud, synthetic IDs, bot abuse, velocity/structuring, BIN/range abuse, chargeback rings).
- Design, simulate, and deploy
risk rules
(pre-auth & post-auth) with thresholds, risk scores, and step-up flows; own rule governance and drift checks. - Crypto Risk
- Identify crypto-specific typologies (bridging/mixing, peel chains, sanctioned counterparties, wash trading signals, dusting); define controls for VASP/Travel Rule workflows.
- Model Partnership
- Translate patterns into
features/labels
; curate training/evaluation datasets; review model outputs (precision/recall/AUC), and recommend thresholding & orchestration with rules. - Decisioning & Orchestration
- Tune policy stacks (allow/deny/review), waterfall logic, step-up KYC/KYB, device/behavior checks, and 3-DS/SCA strategies to balance
loss vs. conversion
. - Investigations & Casework
- Conduct in-depth analyses, create narrative memos, and recommend mitigations; support chargeback defense and dispute evidence packages.
- Compliance Alignment
- Partner with Compliance on
KYC/KYB, AML/CFT, STR/SAR
triggers, sanction screening, GDPR/India DPDP Act/PCI-DSS hygiene. - Impact & Reporting
- Own and publish weekly dashboards:
BPS fraud rate, authorization rate, false-positive rate, manual review rate, recovery %, chargeback rate by scheme/rail
.
What You'll Need (Must-Haves)
- 5–10+ years
in Fraud/Risk within a
bank or payments
company (issuer, acquirer, PSP, gateway, or neo-bank). - Proven track record
designing and shipping fraud rules
and
tuning risk engines
in production. - Hands-on with transaction data and
advanced SQL
; comfortable with Python/R for analysis (no heavy ML coding required, but strong analytical rigor is essential). - Working knowledge of
card & bank rails
(auth flows, MCCs, BIN ranges, 3-DS/SCA, chargebacks/disputes, UPI/NPCI constructs, reconciliation). - Familiarity with
crypto risk
signals and Travel Rule/VASP concepts. - Strong grasp of
metrics & trade-offs
(loss vs. conversion, precision/recall, latency). - Excellent written analysis: incident memos, runbooks, and executive summaries.
Nice to Have
- Exposure to tools/concepts like device fingerprinting, bot mitigation, graph/link analysis, velocity stores, case management systems.
- Experience with real-time data stacks (Kafka/Kinesis), feature stores, or SIEM; basic knowledge of MLOps/experimentation.
- Prior work with sanctions screening, name matching, and geolocation/IP intelligence.
What You'll Work With
- Platforms:
ZenPay (Digital & Gateway), Verafye (Fraud & Risk) - Data:
Real-time transaction streams across cards/UPI/bank rails/wallets + blockchain signals - Team:
Risk Engineers, Data Scientists, Product Managers, and Platform Engineering
Success Looks Like (First 6 Months)
- Ship
2–3 high-impact rule packs
cutting targeted fraud typologies by
30–50%
with
≤10%
incremental false positives. - Improve
auth/approval rate
by
100–200 bps
via smarter step-ups and thresholding. - Establish a
fraud intel operating cadence
(dashboards, alerts, playbooks, post-mortems).
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