Senior Fraud Investigator - AI-Driven Automation

Viva Wallet; Milton Keynes; On-site; GBP 60,000 - 90,000; Full time

Benefits offered by this job

Bonus/Performance bonus

Private health insurance

25 days holiday + bank holidays

Job summary

Viva Wallet in Milton Keynes seeks a Senior Anti-Fraud Investigator to lead fraud investigations across merchant acquiring and card payments, utilizing data analytics and MI dashboards to identify suspicious activity and root causes.

The role includes driving AI-powered automation, collaborating with Technology, Product and Operations, and ensuring regulatory compliance while protecting the business and customers in a fast-paced payments environment.

Qualifications

• At least 3 years' experience in fraud investigations, merchant acquiring or payments risk.
• Experience in merchant acquiring, PSP/EMI or card payments environments.
• Knowledge of card payment flows and associated fraud risks.
• Experience undertaking CIFAS investigations and handling fraud intelligence sources.
• Ability to produce investigative reports and risk assessments with evidence-based conclusions.

Responsibilities

• Lead fraud investigations across merchant acquiring, card payments and related operations.
• Analyse transaction data, logs and MI to identify fraud patterns and vulnerabilities.
• Develop and maintain anti-fraud monitoring, dashboards and KPIs.
• Identify opportunities to automate repetitive investigations using AI and bots.
• Prepare structured, evidence-based investigation reports and recommended actions.
• Collaborate with Product, Technology and Operations to improve controls and automation.

Skills

Fraud investigations

Payments risk

Data analytics

Communication skills

CIFAS investigations

Education

Degree in Finance/Economics/Business/Data Analytics/CS

Tools

Power BI

Job description

Viva Wallet in Milton Keynes seeks a Senior Anti-Fraud Investigator to lead fraud investigations across merchant acquiring and card payments, utilizing data analytics and MI dashboards to identify suspicious activity and root causes.

The role includes driving AI-powered automation, collaborating with Technology, Product and Operations, and ensuring regulatory compliance while protecting the business and customers in a fast-paced payments environment.