Fraud & Risk Controller (Payments) – (In-Office – CPT) at Datafin Recruitment

ENVIRONMENT:

• A growing payments business is looking to appoint a Fraud & Risk Controller. This role is focused on designing and implementing fraud controls across both card and non-card transactions.
• The successful candidate will play a critical role in ensuring the business is fully prepared from a fraud, risk, control, and compliance perspective ahead of its card processing rollout.

Key Focus of the Role:

• Build and implement fraud rules across card and non-card transactions (EFT, RTC, Pay Shap, etc.)
• Support real-time transaction monitoring and decisioning
• Contribute to fraud control architecture and risk strategy
• Operate as a hands-on all-rounder across fraud, KYB, onboarding, and compliance in the early stages

DUTIES:

• Design, build, and optimise fraud detection rules and strategies across card and non-card payment channels
• Develop rule logic, thresholds, triggers, and decline strategies
• Support real-time transaction monitoring and decisioning using relevant monitoring tools
• Analyse fraud trends and translate findings into rule enhancements and improved controls
• Implement controls such as velocity checks, MCC restrictions, geo-blocking, and transaction limits
• Work closely with product and engineering teams on fraud tooling and rule deployment
• Support the rollout of card processing, ensuring robust fraud prevention measures are in place
• Manage chargebacks and dispute resolution processes end-to-end
• Perform transaction monitoring and fraud alert handling
• Conduct merchant KYB and enhanced due diligence (EDD) processes
• Perform sanctions screening, PEP screening, and adverse media checks
• Assist with AML compliance and client due diligence
• Maintain clear documentation of fraud rules, controls, and processes

REQUIREMENTS:

• 1–3 years’ experience in a fraud, risk, or financial crime role within payments or banking
• Proven experience across card and non-card transaction fraud environments
• Hands-on experience in fraud rule creation, optimisation, and transaction monitoring
• Experience working with transaction monitoring tools and real-time decisioning systems
• Strong understanding of card payment flows and lifecycle
• Exposure to KYB, merchant onboarding, enhanced due diligence, and AML processes
• Knowledge of sanctions screening, PEP screening, and adverse media checks
• Experience handling chargebacks and dispute management
• Strong analytical and problem-solving skills
• Comfortable working in a hands-on, evolving environment
• Experience working with card schemes such as Visa or Mastercard
• Exposure to issuing or acquiring environments advantageous