Skill required: AML fraud mgmt. - Financial Crime & Fraud Management
Designation: Regulatory Compliance Analyst
Qualifications:BCom
Years of Experience:3 to 5 years
What would you do
Working Conditions
The candidate must be flexible to work US or rotational shifts and be willing to extend shift hours during transitions, staffing gaps, fraud spikes, or critical operational events, as needed.
What are we looking for
Qualifications:
Bachelor-s degree in Commerce, Finance, Business, or a related field preferred.
2-5 years of experience in fraud operations, with strong exposure to US payment fraud, card fraud, or digital banking fraud.
Strong understanding of payment systems, including ACH, wire, cards, P2P, RTP, and dispute workflows.
Deep knowledge of fraud typologies, including account takeover, social engineering scams, mule networks, first-party fraud, and card-not-present fraud.
Working knowledge of applicable US regulations and network rules, including Reg E, Reg Z, and chargeback frameworks.
Strong analytical, investigative, and decision-making skills, with the ability to assess complex fraud scenarios independently.
Experience supporting junior team members, quality reviews, or process improvement initiatives is preferred.
Strong written and verbal communication skills, with the ability to present case rationale clearly to internal and client stakeholders.
Ability to work effectively in high-volume, SLA-driven environments and manage competing priorities.
Proficiency in Microsoft Office and familiarity with fraud monitoring, case management, or workflow tools are preferred.
Working Conditions
The candidate must be flexible to work US or rotational shifts and be willing to extend shift hours during transition, volume spikes, or critical fraud events, as needed.
Roles and Responsibilities:
Review, investigate, and resolve complex fraud alerts across payment channels, including ACH, wire, cards, P2P, and RTP.
Perform in-depth analysis of account activity, transaction patterns, device and IP intelligence, behavioral indicators, and linked relationships to identify fraud risks.
Handle escalated and high-value cases involving account takeover, scam-related fraud, mule activity, and complex payment fraud scenarios.
Make risk-based decisions on transaction blocks, account restrictions, escalations, and case disposition in line with client procedures and regulatory requirements.
Review fraud claims, validate supporting evidence, and assess transaction legitimacy for disputes, chargebacks, and recovery processes.
Maintain detailed case documentation, investigation narratives, and audit-ready records across all assigned activities.
Provide guidance and floor support to junior analysts on case handling, policy interpretation, and fraud typologies.
Identify trends, control gaps, and emerging fraud patterns, and share actionable insights with operations, strategy, or client stakeholders.
Support quality reviews, training, process updates, and calibration sessions to improve decision consistency and operational performance.
Meet defined SLA, productivity, and quality targets while ensuring compliance with applicable US regulations, including Reg E and Reg Z where relevant
Qualification BComSourced from naukri
