Fraud and Chargebacks Analyst in Sofia at EML Payments Solutions Ltd (EPSL)

About EML

EML Payments is a global leader in the fintech space. Our mission is to create awesome, instant, and secure payment solutions that connect our customers to their customers, anytime, anywhere, wherever money is in motion. Our Purpose is to inspire transformative digital change for our customers and communities.

As an issuer and processor, we provide our clients and partners with innovative alternatives to traditional banking solutions for reloadable and non-reloadable programs. We are agile, we are innovative. We take a partnership approach; we tailor solutions and place a strong focus on operational excellence.

Our place is one of collaboration, teamwork & innovation. But, above all, it’s one that embraces difference. And rather than have you blend in, we want to help you unleash your full potential.

The team you’ll be joining

Every day, our team tackles some of the most complex and evolving threats related to money laundering, fraud, terrorist financing and sanctions. We operate at speed and scale, monitoring transactions, investigating suspicious patterns and safeguarding our customers, EML and the global financial system.

This isn’t your average operations team. We are global in scope with specialists in data analytics, investigations, fraud and anti-money laundering. We collaborate with law enforcement, distributors and internal business units to ensure every risk is assessed and our customers are protected.

Operating across multiple jurisdictions, the department works closely with Compliance, Technology, Customers and Commercial teams to own and manage financial crime risk in the first line of defence (1LOD).

The Role

This role is an exciting opportunity to join a fast-paced and dynamic 1LOD financial crime team. You will be responsible for reviewing, analysing and investigating client transaction activity to identify and prevent fraudulent activity. This role will be responsible for submitting chargeback claims, crafting compelling case submissions with supporting evidence. This role is key in protecting the organisation and its clients from fraud loss.

What you’ll do

· Review system-generated alerts and assess transaction activity for fraud. Where fraud is identified ensure, the appropriate investigation is completed across the EML portfolio and apply mitigating measures where required.

· Conduct investigations using internal systems, customer profiles and external data sources.

· Work with law enforcement agencies to ensure data is provided on criminal and safeguarding investigations under the relevant regulations.

· Process chargebacks, representments and arbitrations in line with scheme rules and within relevant timeframes to ensure client and business funds are safeguarded. Ensure chargeback rebuttals are sound, clear and evidence-based.

· Liaise with payment schemes, banks and payment processors to resolve chargebacks and escalate high-risk or unresolved cases.

· When appropriate escalate fraud investigations to management and compliance ensuring a full investigation and rationale is provided along with a recommendation for next steps.

· Ensure all investigations comply with internal policies, procedures and regulatory standards.

· Continuously improve detection rules, workflows, scoring models and logic in fraud monitoring and case management tools.

· Assist in the preparation of reporting metrics for management and stakeholder review.

· Work with peers, compliance and management to develop and refine fraud prevention policies and procedures.

What you’ll bring

· Experience detecting and preventing fraud in a financial services company. Ideally in a small business or fintech environment.

· Knowledge of ecommerce fraud, card-not-present fraud and friendly fraud on payments

· Solid understanding of chargeback rules and payment schemes (Visa, Mastercard and Discover).

· Strong analytical and investigative skills with a good attention to detail.

· Ability to identify suspicious activity and make sound, risk-based decisions.

· Excellent written and verbal communication skills for clear case documentation and escalation.

· The ability to think independently with the confidence to make decisions and recommendations on fraud and chargeback cases.

· Excellent attention to detail, organisation skills and the ability to manage multiple priorities in a fast-paced environment.

· Familiar with financial crime tools and platforms such as Threat Metrix and Featurespace.

· An enthusiastic self-starter who is proactive, collaborative and open to change.

What We Offer

• Recharge and Give Back: 24 days annual leave, 2 volunteering days, your birthday off
• Global Opportunities: Collaborate across Australia, the UK, North America, and Europe – with secondment opportunities available.
• Work Your Way: Hybrid working that fits your lifestyle and empowers smarter working.
• Multisport Card
• Meal Voucher Endered
• Health Insurance