Fraud Prevention Analyst

PAYBACK; München; Hybrid; EUR 65.000 - 90.000; Vollzeit

Benefits dieser Stelle

Hybrid working policy (2 days home/ wk

30 days vacation + option to purchase

Free meals & snacks

In-house gym & health weeks

Team events & female leadership focus

Development opportunities

Deutschlandticket + JobRad

Zusammenfassung

PAYBACK GROUP is seeking a proactive Fraud & Risk Analyst to identify suspicious activity, investigate cases, and assess risks with a data-driven approach. You will work across Security, Compliance, Data, and Operations to develop robust monitoring and prevention strategies while delivering concrete recommendations for action.

The role emphasizes deep analysis of patterns, hypothesis testing, and clear documentation, with responsibilities spanning technical requirements, process improvements,

Qualifikationen

• Experience in analytical or operational fraud/risk environments such as fraud prevention, AML, risk, compliance, or trust & safety.
• Experience analyzing large data volumes and using reports, dashboards or analytical tools in an operational context.
• Good basic technical understanding of data, systems and digital processes; IT security knowledge is a plus.
• Familiarity with AML, KYC and data protection regulatory frameworks is advantageous.
• Experience with modern analysis or monitoring tools and exposure to AI-supported applications or rule-based detection approaches.

Aufgaben

• Identify suspicious activity in day-to-day operations, detect patterns, and assess risks based on data and context.
• Examine structured and unstructured information, develop hypotheses, and draw robust conclusions.
• Document findings clearly and provide concrete, actionable business recommendations.
• Contribute technical requirements for monitoring, control, and risk detection systems and support their development.
• Identify opportunities to improve monitoring and prevention processes and support operational implementation.
• Collaborate with Security, Compliance, Data, and Operations stakeholders.
• Help the team understand fraud risks through dialogues, guidelines, and training.
• Assess effectiveness of measures and help refine them based on data.

Kenntnisse

Fraud analysis

Data analysis

Stakeholder communication

Risk assessment

Tools

Dashboards

Jobbeschreibung

Contract type: Permanent, full-time (40h/week), Start as soon as possible

What this role is about

In this role, you will identify suspicious activity, investigate cases in a structured manner, and assess risks transparently. You will work in a data-driven environment, identifying patterns and correctly classifying irregularities to derive well-founded recommendations for specific actions.

As part of a cross-functional team (crew), you will work closely with the operational side of the business and at the interface between analysis, technology and business. Your focus will be on in-depth analysis, handling and further development of specific fraud prevention issues in day-to-day operations.

• analysing suspicious activity in day-to-day operations, identifying patterns, and assessing potential risks based on data, signals, and context
• examine structured and unstructured information, develop hypotheses, and draw robust conclusions from them
• document your findings clearly and comprehensively, formulating concrete, actionable recommendations for the business
• contribute technical requirements for monitoring, control, and risk detection systems, supporting their ongoing development
• identify opportunities for improvement in existing monitoring and prevention processes, supporting their operational implementation
• work closely with internal stakeholders from Security, Compliance, Data, and Operations
• help your team better understand fraud risks, raising awareness of prevention through dialogue, guidelines, and training
• assess the effectiveness of measures against defined criteria, helping to further develop them based on data

This role is a great fit for you if you…

• get to the heart of complex issues, have a keen eye for patterns and anomalies, and understand interrelationships
• enjoy analysing root causes and scrutinising details, and you do not settle for superficial answers
• work analytically, making decisions based on data, facts, and clear contextual analysis
• take a structured approach, formulating and validating meaningful hypotheses even when the data is unclear
• communicate confidently with various stakeholders, particularly operational teams and related departments

What you should bring from a professional perspective

• relevant professional experience in an analytical or operational fraud/risk environment, ideally in roles such as fraud prevention, AML, risk, compliance, trust & safety
• experience in analysing large volumes of data, and in working with reports, dashboards or analytical tools in an operational context
• good basic technical understanding of data, systems and digital processes. Knowledge of IT security would be an advantage
• knowledge of relevant regulatory frameworks such as AML, KYC and data protection, or comparable standards, would be an advantage
• experience with modern analysis or monitoring tools would be an advantage, as would initial exposure to AI-supported applications or rule-based detection approaches

Conditions & benefits

• Flexibility: 30 days of vacation plus the option to purchase additional vacation days, hybrid working policy (2 days home office/week) and the possibility of taking a sabbatical
• Food & drinks: Mostly free, healthy, and varied meals, fresh fruit and popcorn every day, plus coffee and tea included
• Health & fitness: Free use of our in-house gym, health weeks, massages, and physiotherapy treatments on site
• Culture: Team events, Social Days, an open “come as you are” culture, dogs are welcome,strong engagement in female leadership
• Development: Individual training and development opportunities within the team and across the organization
• Mobility: Coverage of the Deutschlandticket, central location with a subway station right outside the door, and JobRad bike leasing

The PAYBACK GROUP values diversity – come as you are.