Fraud, Associate

Shift4 Limited; Greater London; Hybrid; GBP 42,000 - 64,000; Full time

Job summary

Shift4 Limited is seeking a Fraud Associate to monitor daily transactions and merchant activity while analyzing fraud patterns using BI tools. You will manage card scheme compliance to mitigate chargebacks and risks, collaborating with internal teams and external stakeholders to implement robust fraud detection.

The role requires direct merchant communication, strong analytical instincts, and a proactive approach to optimize prevention workflows in a hybrid London-based environment.

Qualifications

• 2+ years of experience with BI tools such as Oracle BI, SAP, Qlik, Tableau, or SQL, or advanced Excel skills.
• Degree in Banking & Finance, Statistics, Data Analytics, Economics, or similar, or hands-on experience in fraud/investigative roles within Payments or Banking.
• Card transactions / acquiring background is advantageous.
• Experience supporting SMB clients is a plus.

Responsibilities

• Monitor and investigate suspicious transactions, merchants, and third-party activity daily.
• Dive into fraud patterns using BI tools to spot trends and act quickly.
• Collaborate with internal teams and external stakeholders to implement fraud detection strategies.
• Develop and enhance reports, tools, and processes to prevent fraud and chargebacks.
• Communicate with merchants and partners to assess fraud risk and plan next steps for resolution.
• Work with card schemes on program breaches, appeals, investigations, and reporting.
• Stay on top of chargeback and fraud programs and ensure compliance with scheme requirements.
• Coordinate with Risk to identify high-risk merchants.
• Suggest improvements to tools and workflows to increase efficiency.

Skills

Analytical mindset

Clear communication in English

Multitasking

Education

Banking & Finance / Economics / Data Analytics degree

Tools

Oracle BI

SAP

Qlik

Tableau

SQL

Excel

Job description

Shift4 (NYSE: FOUR) is boldly redefining commerce by simplifying complex payments ecosystems across the world. As the leader in commerce-enabling technology, Shift4 powers billions of transactions annually for hundreds of thousands of businesses in virtually every industry. For more information, visit www.shift4.com.Summary:The Fraud Associate monitors daily transaction and merchant activity, analyzes fraud patterns using BI tools, and manages card scheme compliance (Visa/Mastercard) to mitigate chargebacks and risks. This role requires strong cross-functional collaboration, direct merchant communication, and proactive optimization of fraud prevention workflows.Responsibilities: Monitor and investigate suspicious transactions, merchants, and third-party activity daily.Dive deep into fraud patterns across our portfolio using BI tools – spot trends, think critically, and act fast.Partner with teams across the company and with external stakeholders to develop and implement top-tier fraud detection strategies.Build and enhance reports, tools, and processes to prevent fraud and chargebacks – your insights will directly influence our security.Communicate directly with merchants and partners to assess fraud risk and agree next steps for resolution. Act as a trusted point of contact for SMB clients on compliance and fraud-related queries, with the ability to confidently engage clients across multiple channels - email, live chat, and phone/video calls.Collaborate with card schemes like Visa and Mastercard on program breaches, appeals, investigations, and reporting.Stay on top of chargeback and fraud programs, ensuring compliance and proactive management of scheme requirements.Work hand-in-hand with the Risk team to identify and monitor high-risk merchants.Help shape the tools and workflows we use every day by challenging outdated processes and suggesting smarter, faster ways to work.Other ad hoc tasks can be assigned by the manager as needed.Requirements:2+ years of experience with BI tools such as Oracle BI, SAP, Qlik, Tableau, or SQL, or advanced Excel skills are a must.A degree in Banking & Finance, Statistics, Data Analytics, Economics, or similar, or hands-on experience in fraud/investigative roles within Payments or Banking.Card transactions, Acquiring background, highly advantageous.Big plus if you have direct experience supporting small-to-medium business (SMB) clients.Clear, confident communication in English (both spoken and written).Strong analytical mindset with great investigative instincts – you don’t stop until you get to the \"why\".Able to manage multiple priorities with focus and independence – you’re organized and driven. Able to work under minimal supervision / high degree of independence allocated, and have strong independent decision-making capabilitiesEnergetic, innovative, and adaptable – you bring a spark to the team and enjoy being both fun and professional.You’re approachable, easy to collaborate with, but not afraid to push back when there’s a better way to do something.You thrive in an environment where ownership, creativity, and momentum are encouraged.Enjoying working in a fast-paced and multi-cultural environment.Innovative and flexible person full of energy. Easy to work with, but challenging, and always looking for improvement. A proactive mindset with a touch of “va va voom”—you know how to make things happen and bring positive energy to the team.Candidate must be located in the proximity of LondonThis is a hybrid role. Candidate must be comfortable traveling to the office in London once a week.We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state or local protected class.