Portfolio Risk & Fraud Analyst – Hybrid

Cashflows; England; Hybrid; GBP 42,000 - 56,000; Full time

Benefits offered by this job

Salary is competitive and negotiable

Hybrid working approach

Private Medical Insurance

Electric Car Scheme

4x salary life assurance

6% employer pension contributions

Job summary

Cashflows is seeking an Analyst to join its Portfolio Risk Management team. You will help protect the business from financial crime, operational risk and reputational exposure by monitoring merchant activity, assessing risk and ensuring AML/KYC compliance across the portfolio.

You’ll collaborate with Risk, Compliance, Operations, Sales and external partners to support safe, scalable growth, performing detailed risk analyses, investigations and SARs where required.

Qualifications

• Minimum 3 years’ experience in Risk, Fraud, Transaction Monitoring, or Underwriting.
• Strong understanding of card scheme rules, AML requirements, and transaction monitoring processes.
• Experience using credit reference agencies and third-party fraud/AML tools.
• Proven analytical ability with strong numeracy, quantitative skills, and attention to detail.
• Excellent communication skills, both written and verbal.
• Ability to work under pressure, manage changing priorities, and multitask effectively.
• Calm, patient approach to handling complaints and complex situations.
• Strong negotiation skills and the ability to influence stakeholders.
• Capacity to work independently and collaboratively within a team.
• Experience managing credit portfolios—experience with sports clubs is a plus.
• Flexible, decisive, and quick-thinking in fast-moving environments.

Responsibilities

• Support the management of a portfolio of merchants, assessing risk exposure and ensuring onboarding and risk‑mitigation strategies.
• Monitor settlements, refunds, chargebacks, and transaction patterns to identify anomalies or emerging risks.
• Adjust risk parameters and make informed decisions to protect the business while supporting commercial opportunity.
• Conduct detailed financial and market analysis to identify key risks and calculate potential exposure.
• Review transactions using 3 rd party and own monitoring systems to identify unusual patterns or potentially fraudulent activity.
• Analyse customer behaviour and merchant activity to detect risks and assess suspicious behaviour.
• Conduct in‑depth investigations into flagged transactions, escalating cases where appropriate.
• Manage escalated alerts within in‑house fraud tools and contribute to the writing and optimisation of fraud rules.
• Complete Suspicious Activity Reports (SARs) when required.
• Ensure compliance with AML laws, local regulations, and internal guidelines.

Skills

Risk analysis

Fraud monitoring

AML/KYC compliance

Stakeholder management

Data-driven decisioning

Job description

Cashflows is seeking an Analyst to join its Portfolio Risk Management team. You will help protect the business from financial crime, operational risk and reputational exposure by monitoring merchant activity, assessing risk and ensuring AML/KYC compliance across the portfolio.

You’ll collaborate with Risk, Compliance, Operations, Sales and external partners to support safe, scalable growth, performing detailed risk analyses, investigations and SARs where required.