303 Fraud Analyst jobs in the Philippines

We are seeking a detail-oriented and analytical professional to manage credit card reconciliation and Mastercard billing activities. This role is responsible for ensuring the accuracy and integrity of financial transactions related to credit cards, with a strong emphasis on timely reconciliation, issue resolution, and compliance with internal policies and external regulations.

Key Responsibilities:

• Perform daily, weekly, and monthly reconciliations of credit card transactions.
• Review and validate charges, payments, refunds, and adjustments to ensure they align with bank and internal records.
• Investigate discrepancies and liaise with banks, card providers (e.g., Mastercard), and internal departments to resolve issues in a timely manner.
• Assist in the preparation of monthly billing cycles and ensure all invoices and statements are processed accurately.
• Maintain and update reconciliation documentation and ensure compliance with audit requirements.
• Contribute to process improvements and automation initiatives to enhance reconciliation efficiency and accuracy.

Qualifications:

• Bachelor's degree in Accounting, Finance, or a related field.
• 2+ years of experience in credit card reconciliation, billing, or a related finance function.
• Strong knowledge of Mastercard billing processes and financial reporting standards.
• Proficient in Microsoft Excel
• Excellent attention to detail, analytical thinking, and problem-solving skills.
• Strong communication skills for interacting with internal stakeholders and external partners.
• Ability to work independently and manage multiple priorities under tight deadlines.
• Experience in a shared services or FinTech Industry
• Familiarity with payment processing systems and card schemes (e.g., Visa, Amex, Mastercard).

Risk and Fraud Analyst

The Risk and Fraud Analyst is responsible for identifying, assessing, and mitigating risks, with a particular focus on fraud prevention and detection. They will also focus on dispute and chargeback handling and claims to the merchant while minimizing financial loss for the company.

He/she must have a strong understanding of risk management processes and fraud analytics to safeguard the organization against potential losses. The analyst will collaborate closely with various departments, including finance, operations, and compliance, to ensure the company's risk management strategy is executed effectively.

DUTIES AND RESPONSIBILITIES

• You are the first line of defense/gate keeper of Veritas Pay against money laundering and terrorist financing
• Must be able to perform Customer Due Diligence
• Must conduct Enhance Due Diligence and underwriting
• Monitor transactions and activities on a day-to-day basis to assess if merchant transaction/s have any signs of fraudulent behavior.
• Analyze transaction data and identify trends or patterns that could indicate fraudulent activities.
• Investigate suspicious activities and escalate when necessary.
• Handles fraudulent cases provided by the bank
• Handles Dispute and Chargeback cases of the merchant (trends, patterns, and root causes of disputes).
• Track and monitor chargeback ratios and provide insight into ways to reduce chargebacks.
• Review and investigate chargeback claims received from customers, identifying the reason for dispute.
• Perform risk assessment of merchant
• Determine whether the relations and activities could be suspicious and expose Veritas Pay to a potential financial loss or reputational risk.
• Respond to and investigate reported incidents of fraud or financial irregularities.
• Be updated on industry trends, fraud techniques, and changes in laws/regulations that affect risk management practices.
• Conduct Fraud Orientation to the merchant or training internally of the company.
• Carry out additional responsibilities as needed based on business need

JOB QUALIFICATIONS

• You have at least 1-2 years of work experience related to Risk and Fraud Analyst.
• Fast learner, can work under pressure and under minimal supervision
• A graduate of any Bachelor of Science Degree or any other related Business-Related Course
• You have an expert skill in conducting effective due diligence and risk assessment investigation, including data analysis, research, and documentation
• You have developed understanding of the local and international financial system and banking as well as the regulatory environment and the impacts of non-compliance.
• You focus on delivery with strong attention to details and on time
• You are fluent/advance in English, reading and writing skills
• Experience/ knowledge in corporate compliance, business underwriting, financial analysis, sales and account management, payment industry, possible fraud detection, portfolio management, risk management, customer support and vendor interaction.

Job Type: Full-time

Pay: Php17, Php25,000.00 per month

Benefits:

• Flexible schedule

Work Location: In person

Risk and Fraud Analyst

The Risk and Fraud Analyst is responsible for identifying, assessing, and mitigating risks, with a particular focus on fraud prevention and detection. They will also focus on dispute and chargeback handling and claims to the merchant while minimizing financial loss for the company.

He/she must have a strong understanding of risk management processes and fraud analytics to safeguard the organization against potential losses. The analyst will collaborate closely with various departments, including finance, operations, and compliance, to ensure the company's risk management strategy is executed effectively.

DUTIES AND RESPONSIBILITIES

• You are the first line of defense/gate keeper of Veritas Pay against money laundering and terrorist financing
• Must be able to perform Customer Due Diligence
• Must conduct Enhance Due Diligence and underwriting
• Monitor transactions and activities on a day-to-day basis to assess if merchant transaction/s have any signs of fraudulent behavior.
• Analyze transaction data and identify trends or patterns that could indicate fraudulent activities.
• Investigate suspicious activities and escalate when necessary.
• Handles fraudulent cases provided by the bank
• Handles Dispute and Chargeback cases of the merchant (trends, patterns, and root causes of disputes).
• Track and monitor chargeback ratios and provide insight into ways to reduce chargebacks.
• Review and investigate chargeback claims received from customers, identifying the reason for dispute.
• Perform risk assessment of merchant
• Determine whether the relations and activities could be suspicious and expose Veritas Pay to a potential financial loss or reputational risk.
• Respond to and investigate reported incidents of fraud or financial irregularities.
• Be updated on industry trends, fraud techniques, and changes in laws/regulations that affect risk management practices.
• Conduct Fraud Orientation to the merchant or training internally of the company.
• Carry out additional responsibilities as needed based on business need

JOB QUALIFICATIONS

• You have at least 1-2 years of work experience related to Risk and Fraud Analyst.
• Fast learner, can work under pressure and under minimal supervision
• A graduate of any Bachelor of Science Degree or any other related Business-Related Course
• You have an expert skill in conducting effective due diligence and risk assessment investigation, including data analysis, research, and documentation
• You have developed understanding of the local and international financial system and banking as well as the regulatory environment and the impacts of non-compliance.
• You focus on delivery with strong attention to details and on time
• You are fluent/advance in English, reading and writing skills
• Experience/ knowledge in corporate compliance, business underwriting, financial analysis, sales and account management, payment industry, possible fraud detection, portfolio management, risk management, customer support and vendor interaction.

At
Finyon Global
, we harness the power of talent to drive the future of fintech. We're looking for innovative minds from Asia and Africa to join our mission in shaping the next wave of financial technology.

We are looking for a
Fraud & Risk Analyst
to join our company.

The right candidate must be technically talented, hands-on, and have great interpersonal skills. If you like to work in a fast-paced environment, and full of challenges this is the place for you

What You Will Be Doing

• Monitor and Respond to Suspicious Activity: Track transactional traffic through alerts, identify fraudulent patterns, and take appropriate actions. You'll report flagged transactions to relevant stakeholders and collaborate with clients to request and review additional information when necessary.
• Drive Innovation: Develop, refine, and implement fraud-prevention and AML monitoring strategies tailored to various markets and industries.
• Build Bridges: Facilitate clear, effective communication between clients and providers to proactively address fraud and risk concerns.
• Generate Impactful Insights: Monitor and report on the team's key performance indicators, turning data into actionable strategies that drive results.

Requirements:

• A proactive attitude: Set ambitious goals and take initiative to achieve them.
• Resilience: Stay focused and determined, even in the face of complex challenges.
• A curious mindset: Constantly explore innovative solutions and new ways of thinking.
• AI-First mindset: You're eager to experiment with AI tools to streamline fraud detection, redesign processes, share learnings, and apply strong critical thinking to AI outputs.
• A problem-solving mentality: Tackle obstacles creatively and confidently.
• Advanced English proficiency: Strong communication skills in English are essential.
• Intermediate SQL skills: Familiarity with sal tools and functions to analyze data effectively.
• A Bachelor's Degree: Business Administration, Industrial Engineering, or a related field.

What we offer:

• Work in a team that values your ideas and empowers you to make an impact.
• Gain exposure to diverse industries, learning from and contributing to cutting-edge fraud-prevention strategies.
• Grow your career in a supportive, fast-paced, and innovative environment.

About Us

Founded in 2008, Live Payments has established itself as a prominent payment service provider in Australia. We cater to a vast array of businesses, delivering diverse payment solutions that meet their specific needs. With our dedicated team of over 90 professionals spread across Australia, the Philippines, and Vietnam, we consistently strive for innovation within the fiercely competitive payments industry.

About the Role

Live Payments is seeking a Merchant Security Specialist.

In this role, you will play a vital role in ensuring the security and integrity of our merchant accounts and transactions. Your primary responsibilities will include monitoring and reviewing transactions for suspicious or fraudulent activity, managing chargebacks, investigating potential security breaches, and providing support to merchants to enhance their security measures.

The Merchant Security Specialist will report to the Chief Financial Officer.

As a Merchant Security Specialist, you will be responsible for:

• Monitor and review merchant transactions and activities on an ongoing basis to identify and investigate suspicious or potentially fraudulent transactions.
• Analyze transaction data, patterns, and trends to proactively detect and prevent fraudulent activity, using fraud detection tools and techniques.
• Investigate and resolve chargebacks initiated by customers, working closely with relevant internal departments and external parties to gather necessary evidence and documentation.
• Collaborate with the Risk Management team to develop and implement fraud prevention strategies, policies, and procedures, ensuring compliance with industry standards and regulations.
• Conduct thorough investigations into potential security breaches or incidents, gathering evidence, documenting findings, and recommending appropriate actions to mitigate risks.
• Provide timely and accurate reports on fraud trends, chargeback ratios, and other relevant metrics to management, highlighting potential areas of concern or improvement.
• Work closely with merchants to educate them on security best practices, fraud prevention techniques, and chargeback management strategies.
• Review and assess merchant applications and documentation to ensure compliance with security and risk management requirements.
• Assist in the development and implementation of merchant security training programs and materials to enhance awareness and knowledge among internal stakeholders and merchants.
• Stay updated on industry trends, emerging fraud techniques, and security technologies, and recommend enhancements to security systems and processes to mitigate risks effectively.

About you and the talents we are looking for:

• Bachelor's degree in a relevant field or equivalent work experience.
• Previous experience in merchant security, fraud prevention, or chargeback management within the payment processing industry is highly desirable.
• A minimum of 1-2 years of payment processing industry experience is required for this role.
• Strong analytical skills with the ability to analyze complex data sets and identify patterns and anomalies.
• Knowledge of fraud detection tools, techniques, and industry best practices.
• Familiarity with chargeback management processes and procedures.
• Excellent problem-solving and decision-making abilities, with a strong attention to detail.
• Effective communication and interpersonal skills to liaise with merchants, internal teams, and external partners.
• Ability to work independently and collaboratively in a fast-paced, deadline-driven environment.
• Proficiency in using relevant software applications and tools for transaction monitoring, fraud detection, and chargeback management.
• Strong ethical standards and integrity, with a commitment to maintaining the confidentiality and security of sensitive information.

What you will receive:

• Flexible work arrangement
• HMO coverage + 1 Free Dependent (Upon regularization)
• Earn 2 Service Incentive Leave credits per month.
• A day off for your birthday
• A Health scheme of up to P1,000 per month that can be used to claim back on gym memberships, massages, chiro and more.
• A Learning & Development scheme capped at P38,000 per financial year that can be used to claim on courses, programs, memberships or certifications.
• Recognition and rewards platform with access to top brand gift cards

An impressive 90% of employees highly recommend Live Payments as an exceptional workplace. Join a team of dedicated professionals who are committed to delivering impactful outcomes and fostering an inspiring work environment.

Even if you meet only some of the requirements for this role, we strongly encourage you to apply. We highly value diverse backgrounds and ideas as we believe they are essential to our future success. If you possess a curious mindset and a willingness to share your knowledge while being open to learning, we would be delighted to receive your application.

Job Description

• Performs fraud trend and customer behavior analysis to identify if additional fraud rules and/or authentication methods are necessary and/or if existing fraud rules need modification to mitigate the fraud risks the bank and its customers might be exposed to
• Manages the overall fraud rule cycling process, i.e. from fraud rule creation, maintenance and performance monitoring
• Establishes a dashboard for regular monitoring of the overall bank's fraud risk management performance through development of fraud related reports
• Develops a fraud database for easier monitoring of fraud risk trends and fraud risk control activities
• Assists the Fraud Risk Management Lead in evaluating fraud system enhancements, testing and in deployment verification
• Supports the Fraud Risk Management Lead in the enhancement of fraud related policies
• Helps in the preparation of reports, data and other documentation related to fraud risk management provided to internal teams (such as Compliance and Internal Audit) and external teams (such as other SEA entities and regulators)

Requirements

• Bachelor's degree in Finance, Economics, Analytics, Business or other related discipline
• Working knowledge of SQL is a must-have
• Structured, factual, and data-driven. Ability to deep dive into data and elaborate clear and synthetic insights
• Problem-solving skills and positive constructive attitude is a must
• Comfortable working in a fast-paced, high-intensity work environment
• Proficiency in English written and verbal communication
• Knowledge of Python or SAS is a plus
• Experience in machine learning is a plus

CORE PROFILE

The Senior Fraud Analyst is responsible for fraud alerts review, overseeing case resolution, providing analysis and reporting to team lead, as well as internal stakeholder, and can demonstrate critical thinking to properly manage and arrange escalations, based on priority and urgency level.

NATURE OF WORK

• Investigate fraud related complaints, escalated tickets and tip-offs for credit card products.
• Review real-time alerts for credit card transactions and make timely and informed decisions to approve, decline, or refer transactions based on established criteria, risk assessment, and company policies.
• Responsible for investigating, and preventing fraudulent activities within the organization.
• Ensure financial crime investigations are resolved correctly and within expected SLAs, and where necessary
• Proven investigation experience and exceptional communication skills
• Ability to work autonomously and independently manage caseloads.
• Excellent communication and interpersonal skills, with the ability to engage effectively with stakeholders at all levels
• Strong Project Management experience or background
• Stay updated on industry trends, regulatory changes, emerging fraud schemes and best practices to inform proactive measures.
• Collaborate with other teams and participate in initiatives related to fraud
• Provide recommended changes and enhancements needed to meet goals
• Carry out continuous improvement initiatives to make sure processes and tools are responsive to changing needs
• Review accuracy of investigation results and of actions taken on suspected accounts or transactions
• Ensure output of actions and activities are properly recorded and documented in the system for strategic analytics

DISPLAYED SKILL MASTERY

BEHAVIORAL SKILLS STACK

• Ability to work in a fast-paced, entrepreneurial, results-oriented culture
• Critical thinker with a high sense of urgency and accountability.
• Good display of interpersonal skills, a sense of connection and belonging.
• Methodical approach with high attention to detail and ability to work independently and as part of a team.
• Ability to make business decisions within his functional level, propose improvements, and manage tasks with minimal supervision

TECHNICAL SKILLS STACK

• Business and Product Awareness
• Strong technical, analytical and (written and verbal) communication skills
• Excellent aptitude for research and data analysis
• SQL & Database Querying for extracting and analyzing transactional and fraud data
• Excel (Advanced) for using pivot tables, VLOOKUP, macros, and formulas for data analysis

REQUIRED QUALIFICATIONS

• At least 5 years of experience in a fraud investigation related to different banking products (lending products like loans)
• Experience on investigations for credit cards is a PLUS
• Graduate of any Bachelor's Degree
• With operational experience in the areas of Data Mining. Profiling, Analysis and Investigation
• Preferably with experience in Wallet Fraud management, ideally from the Financial Services, Banking, or Technology industries
• Experience on STR filing for AMLC

This position is primarily responsible for executing all operational aspects of Fraud Risk Operations management, such as but not limited to the support of the following key roles: authorization, fraud detection, fraud recovery and provisioning, fraud rule management and MIS generation, and risk strategic and governance.

Responsibilities:

Operational Excellence - Support the division's authorization and fraud prevention strategies by executing key initiatives aimed at achieving operational excellence. This includes, but is not limited to the following:

Authorizations

1. Ensure adherence to target authorization rates, schemes regulatory requirements, and industry standards related to card acceptance and authorization strategies, policies, and procedures.

2. Conduct timely review and escalate authorization-related issues, as needed.

3. Address issuing card acceptance issues and merchant / acquirer-related concerns promptly.

Fraud Detections

1. Review and disposition of inbound, outbound, and two-way SMS fraud alerts in a timely manner

2. Maintain acceptable fraud detection and detection quality rates as defined by SLA

3. Address internal and external fraud detection-related escalations. Fraud Recovery and Loss Provision Control

4. Monitor and manage recovery success rates, provisions, and books to ensure alignment with metrics.

5. Handle and resolve escalated fraud complaints efficiently.

6. Conduct review and assessment of Case Mgt. handled cases for accuracy.

Fraud Analytics and MIS

1. Quick fraud parameter creation, amendment, and deactivation, as needed.

2. Review of fraud trends and mitigants.

3. Data preparation.

Risk Strategies and Governance

1. Execute key fraud risk initiatives, such as but not limited to process quality control, project delivery, customer communications, fraud education and awareness, and Day-2 checks.

2. Budget and vendor management

3. Compliance with regulatory requirements and industry standards.

Customer Centricity - Enable within the team a mechanism to actively communicate with customers.

Qualifications

• Must possess at least Bachelor's/College Degree in Business Studies/Administration/Management/Finance/Accountancy/Banking equivalent
• Candidates must have relevant experience to the role
• Proficient in using Microsoft Office applications
• Amenable to be assigned in a shifting schedule (including night shift)

About the role

We are seeking a diligent and meticulous Fraud Operations Analyst to join our Fraud Operations team at SeaBank Philippines, Inc. (A Rural Bank). In this full-time role, you will be responsible for identifying, investigating, and resolving fraudulent activities to protect our customers and the bank.

What you'll be doing

• Perform real time review of system alerts and identify unauthorized transactions and fraudulent accounts.
• Establish accurate and timely contact with customers to confirm the validity of flagged transaction.
• Identify new and existing fraud trends by analyzing accounts and transaction patterns.
• Propose system improvements.
• Collaborate with stakeholders to drive process improvements.
• Take on ad hoc projects or assignments related to Fraud Operations.

What we're looking for

• Bachelor's degree in any related courses
• 1-3 years experience in Fraud Operations/Fraud Management
• Preferably has experience in Fraud Management for Debit / Credit Card, Digital Banking and/or Internet Banking
• With strong analytical and problem-solving skills
• Must be critical thinker and knowledgeable on current fraud trends
• Resourceful, proactive, flexible and comfortable working in a fast-paced environment
• With good communication and interpersonal skills

Apply now for this exciting opportunity to contribute to the success of our organization.