Senior Fraud Operations Associate

VertoFX Ltd; Greater London; Hybrid; GBP 55,000 - 75,000; Full time

Job summary

A growing fintech company is looking for a Senior Fraud Operations Associate to architect and enhance its Fraud Operations. This role requires 3-4 years of experience in fraud analysis, particularly with cards and payment processes. The ideal candidate will lead investigations, manage chargeback lifecycles, and work collaboratively with product teams. The position offers a competitive salary, health benefits, and a flexible work environment as the company continues to scale its operations globally.

Benefits

Competitive salary and yearly review

Comprehensive health and wellness benefits

Flexible working arrangements

Opportunities for professional development

Dynamic company culture

Regular team social events

Qualifications

• 3-4 years of experience as a Fraud Analyst with focus on payments.
• Proven track record of building or enhancing a Fraud Operations function.
• Hands-on experience with Visa and Mastercard fraud systems.

Responsibilities

• Design and build the Fraud Operations capability.
• Lead complex fraud investigations and liaise with law enforcement.
• Manage the chargeback lifecycle and analyze trends.

Skills

Fraud Analyst experience

Chargeback/Dispute Management

Analytical skills

Collaboration

Tools

Visa/Mastercard fraud prevention systems

SQL

Python

Job description

About Verto

At Verto, we're on a mission to democratise global finance and empower businesses in Emerging Markets to reach the world. Founded by British-Nigerian entrepreneurs Ola Oyetayo and Anthony Oduu, our roots in Africa provided a firsthand understanding of the significant challenges businesses face with cross-border payments, ranging from illiquid currencies and high fees to slow transactions. This deep-rooted insight is why Africa remains a core focus, as we're committed to bridging the gap between emerging and developed markets and fostering global economic growth.

What started as an FX solution for the Nigerian Naira has evolved into a market-leading platform, enabling thousands of businesses to seamlessly transfer billions of dollars annually. We believe that where you do business shouldn't determine your success or ability to scale. We're creating equal access to the easy payment and liquidity solutions that are already a given in developed markets.

We're not alone in realising this crucial need; we're backed by world-class investors including Y-Combinator, Quona, and MEVP. With Verto receiving the Milken-Motsepe Prize, appearing on CNBCs list of fastest growing UK companies, the Deloitte Fast 50 and Sifted's fastest-growing UK tech companies, we are building a seamless cross-border payment future. Join us as we continue to grow and transform global finance.

Role Overview

This is your chance to own, build, and architect our Fraud Operations capability from the ground up. We are looking for a builder, not just an operator. You won't just be managing risk; you will be writing the strategic roadmap for the next 12 months, directly influencing product strategy, and stopping bad actors in their tracks. If you thrive on autonomy, fast-paced delivery, and want to be the "Data Guru" for a rapidly scaling Fintech, this is the role for you.

About the Role

We are seeking a driven and results-oriented Senior Fraud Operations Associate to tackle fraud prevention in global payment systems, with a specific focus on cards, Pay-by-Link, and emerging markets.

What You'll Be Doing

• Architecting the Roadmap: Designing, building, and enhancing the Fraud Operations capability, ensuring delivery aligns with Verto's aggressive growth trajectory.
• Mastering the Tools: Acting as the master calibrator of our advanced fraud detection tools. Your technical proficiency will reduce false positives while ensuring no major fraud incidents slip through.
• Elite Investigations: Leading complex, high-stakes payment fraud investigations and serving as the primary liaison with law enforcement and external partners to ensure recovery and accountability.
• Owning Card Risk: Taking full ownership of the chargeback management lifecycle, analysing trends, defending submissions, and managing Visa/Mastercard alerts (TC40 and SAFE).
• Acting as Risk Owner: Serving as the dedicated Risk Owner for our scaling Pay-by-Link product, optimising security while ensuring seamless client adoption.
• Being the Data SME: Leveraging your analytical skillset to translate complex financial crime trends into actionable insights, acting as the "Data Guru" for the wider Compliance and Transaction Monitoring functions.
• Partnering with Product: Collaborating directly with the Product team to design and embed "security-by-design" features, making risk management a core function of our platform.
• Driving Intelligence: Constantly monitoring industry best practices and emerging trends to keep Verto two steps ahead of bad actors.

What You Need

• 3-4 years of experience as a Fraud Analyst, with a specific focus on cards and payment processes.
• A proven track record of building or enhancing a Fraud Operations function (not just operating within one).
• Deep, practical expertise in Chargeback/Dispute Management and card scheme rules (Visa/Mastercard).
• Hands-on experience with Visa and Mastercard fraud prevention systems, particularly TC40 and SAFE alerts.
• Strong knowledge of Pay-by-Link payment solutions and their specific risk profiles.
• An investigative mindset with experience liaising with law enforcement or external forensic partners.
• Strong analytical skills, with the ability to analyse large datasets to identify fraud patterns and trends.
• A collaborative spirit with the ability to influence non-technical partners (Sales, Product) on complex risk issues.

Best If You Have

• Experience gained in a high-growth FinTech or payments environment.
• Direct experience working with competitor Pay-by-Link or cross-border payment products.
• SQL or Python skills for independent data analysis.

Culture at Verto

We're building more than just a team, we're building a community of people who care deeply about their craft, collaborate with purpose, and enjoy the journey together.

Perks

• Competitive salary and yearly salary review based on inflation, personal and business performance.
• Comprehensive health and wellness benefits.
• Flexible working arrangements.
• Opportunities for professional development and growth.
• Dynamic and inclusive company culture.
• Regular team social events.

You’ll Fit Right In If You

• Love asking "why?"
• Value solving problems over just completing tasks
• Understand sync vs. async communication practices
• Thrive in ambiguity and change
• Actively seek feedback
• Prioritise impact over activity
• Are fun to work with - we love good humour!

About the Interview Process

It will have a chat with the talent team, a round with the hiring manager and case study round with a panel.