Risk Analyst

5w1 month ago

Zeller

London, GB · Full-time · £45,000 – £55,000

About this role

Zeller believes businesses of all sizes deserve better financial and payment products. We are searching for a Fraud Risk Analyst to join our growing Risk and Compliance team, a crucial front-line role protecting our business and customers from fraudulent activity.

You'll detect, investigate, and mitigate fraud across our platform using sharp analytical skills. Identify suspicious patterns, conduct thorough investigations, and implement new controls to stay one step ahead of fraudsters. Your proactive approach and attention to detail will be key.

This position is perfect for a natural problem-solver who is highly motivated and has a strong sense of ownership. You'll thrive on a challenge and be motivated by the opportunity to make a tangible impact on a fast-paced, innovative fintech.

We're committed to giving you the resources and support you need to do incredible things and grow your career with us. This is a unique opportunity to shape, direct and build better financial services for all UK businesses.

Requirements

2+ years' experience in merchant acquiring, payments, fraud prevention, financial crime, or risk operations within a regulated financial services environment
Hands-on experience in merchant acquiring or card payments
Understanding of UK domestic payment flows (FPS) and PCI DSS requirements
Experience supporting merchant KYB/KYC and underwriting
Knowledge of card scheme rules (Visa/Mastercard), AML/CTF requirements, and industry standards
Natural problem-solver with strong sense of ownership and attention to detail

Responsibilities

Support fraud monitoring and risk controls across merchant acquiring products, including card acceptance, authorisation, clearing, and settlement
Contribute fraud and risk input across the end-to-end acquiring lifecycle, from merchant onboarding and underwriting through to live transaction monitoring and settlement
Work with card schemes (Visa/Mastercard), acquiring partners, processors, and gateways to manage operations and resolve acquiring-related issues
Identify and monitor fraud typologies relevant to merchant acquiring (e.g. card-not-present fraud, friendly fraud, chargeback abuse), supporting mitigation strategies
Support merchant KYB/KYC and underwriting, working closely with Risk and Compliance to meet scheme rules and UK regulatory requirements
Monitor and help manage disputes, chargebacks, refunds, and scheme queries, ensuring thresholds and SLAs are met
Demonstrate an understanding of payments, including FPS and UK domestic (UK-to-UK) payment flows, and PCI DSS requirements
Operate in line with relevant regulatory and scheme guidelines, including card scheme rules, AML/CTF requirements, and industry standards

Benefits

Opportunity to shape, direct, and build better financial services for all UK businesses
Work with a global team of experienced payment and tech professionals backed by leading global VCs
Make a tangible impact on a fast-paced, innovative fintech
Resources and support to grow your career