Senior Fraud Analyst

Viva.com; London; On-site; GBP 60,000 - 80,000; Full time

Job summary

Viva.com is seeking a Senior Fraud Analyst to join their UK Risk team. This role involves leading fraud investigations, optimizing detection models, and collaborating with multi-disciplinary teams. Ideal candidates will have a track record in payments fraud, strong analytical skills, and the capability to influence stakeholders, all while thriving in a fast-paced fintech environment.

Benefits

Individual and company performance bonus

Private medical health insurance

25 Days holiday, rising to 30 with service

Diverse multi-cultural working environment

Office gym available at Milton Keynes office

Technology-focused organization

Qualifications

• Minimum 2+ years’ experience in a fraud role within payments.
• Strong knowledge of card scheme rules and investigations.
• Analytical mindset with the ability to produce insights.

Responsibilities

• Lead complex fraud investigations across payments.
• Monitor transaction activity for emerging fraud patterns.
• Optimize fraud detection models according to regulations.

Skills

Fraud investigations

Data analysis

Stakeholder management

Fraud detection models

Risk management

Education

Experience in regulated financial services

Tools

SQL

Fraud detection systems

Microsoft Office

Job description

Office based role, working out of either London or Milton Keynes office

Are you a seasoned fraud expert with payments acquiring experience and a passion for tackling complex challenges in the fast-evolving world of fintech? Viva.com is on the lookout for a dynamic Senior Fraud Analyst to be part of our innovative UK Risk team. This is your opportunity to shape fraud prevention strategies at a leading European e-money institution, where your expertise in card payments, digital transactions, and fraud analytics will make a tangible impact. Step into a role that offers ownership, innovation, and the chance to work with some of the brightest minds in the industry. Join us and help redefine the future of payment security!

Why viva.com

Viva.com is Europe’s first acquirer powering merchant payments acceptance across 24 countries and over 1,215 devices. In the UK, Viva.com operates as an E-Money Institution authorised by the Financial Conduct Authority (FCA), offering an omnichannel payments platform that empowers businesses of all sizes to accept and manage payments — in-store, online, or on the go.

Viva.com leads in Tap on Any Device technology, offers a high-conversion Smart Checkout for online payments, and provides a robust marketplace solution, enabling flexible, scalable, and future-proof payment journeys tailored to every business model. All technology is built in-house on Microsoft Azure, ensuring speed, security, and innovation at scale.

Through its direct connections to local payment schemes and alternative payment methods, Viva.com supports 40+ payment options. Key features include Real-Time Settlement, Offline Payments, acceptance fees as low as 0% with the use of Viva.com’s business debit card, and Merchant Advance.

With a growing ecosystem of 450+ tech partner-innovators, Viva.com is leading the shift to All-in-One business solutions, empowering merchants to adopt cutting-edge technology seamlessly and scale their business with ease.

Role Overview:

We are seeking a highly skilled Senior Fraud Analyst to join Viva.com’s UK Risk function. As a leading European fintech and regulated e-money institution, Viva.com provides advanced payment and acquiring solutions to a wide range of merchants. This role demands a proactive, commercially aware fraud specialist with deep domain expertise in card acquiring, issuing, and digital payments.

The ideal candidate will have a proven track record of managing fraud risk within a regulated financial services environment, be confident navigating card scheme requirements, and bring a strong mix of analytical, technical, and stakeholder management skills.

You’ll be expected to work autonomously, influence senior stakeholders, and support the development of scalable fraud strategies. Experience in building fraud MI, optimising detection models, and driving continuous control improvements will be key to success. We’re looking for someone who thrives in a fast-paced fintech environment, embraces innovation, and takes ownership of risk outcomes.

Key Responsibilities:

• Own and lead complex fraud investigations across card payments and account transactions, responding to alerts from Experian, CIFAS, internal systems, and other intelligence sources.
• Monitor acquiring and issuing transaction activity to proactively identify emerging fraud patterns and mitigate risks in real time.
• Build and enhance fraud MI dashboards and reporting packs to support internal governance, regulatory reporting, and operational efficiency.
• Work cross-functionally with Risk, Compliance, and Operations to design and implement targeted fraud controls.
• Optimise rule-based and data-driven fraud detection models in line with the latest scheme and regulatory requirements.
• Stay informed on fraud trends across the payments ecosystem and translate insight into strategy and preventative controls.
• Support regulatory, audit, and scheme reporting as required, representing the fraud function in relevant forums.

• Minimum 2+ years’ experience in a fraud role within the payments, acquiring, or card issuing space – ideally at a regulated EMI, PSP, or acquirer.
• Strong working knowledge of card scheme rules (Visa, Mastercard) and risk management expectations.
• Experience managing end-to-end fraud investigations, including the use of tools such as Experian, CIFAS, and fraud detection systems.
• Demonstrated ability to produce meaningful fraud MI and insights to drive decision-making and performance improvement.
• Excellent communication and stakeholder engagement skills, including the ability to challenge and influence constructively.
• Proactive, analytical mindset with the ability to work independently and take ownership of key risk areas.
• Strong Microsoft Office skills; experience with SQL, fraud tools, or analytics platforms is an advantage.

• Individual and company performance bonus.
• Private medical health insurance.
• 25 Days holiday rising to 30 with service + bank holidays.
• A diverse multi-cultural working environment.
• Office gym available at Milton Keynes office only.
• Technology focused organization, employing many leading edge technologies.
• Office based role working out of our London or Milton Keynes office.