Risk and Fraud Investigator

Niyo Solutions Inc.; Bengaluru; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Niyo Solutions Inc. is seeking a hands-on Team Lead to oversee day-to-day operations across Transaction Monitoring, Chargeback Management, and LEA responses in Bengaluru, India.

You will direct a team of analysts handling financial crime, payment disputes, and regulatory requests, ensuring adherence to SLAs and regulatory requirements. Strong experience in fintech fraud operations and leadership is essential.

Qualifications

• 4–6 years of experience in fraud ops, risk, or compliance.
• 2+ years in a supervisory role leading others.
• Strong data skills in Excel/SQL for quick reporting.
• Experience with card networks, chargebacks, and LEA requests.

Responsibilities

• Lead daily operations across monitoring, chargebacks, and LEA responses.
• Coach analysts, run quality checks, and manage SLAs.
• Tune rules with product/risk teams and investigate complex fraud.
• Maintain audit trails and updated SOPs.

Job description

About The Role

We need a hands‑on Team Lead to run our day‑to‑day operations across Transaction Monitoring, Chargeback Management, and Law Enforcement (LEA) responses.

We need a hands‑on Team Lead to run our day‑to‑day operations across Transaction Monitoring, Chargeback Management, and Law Enforcement (LEA) responses.

You’ll direct a team of analysts tackling financial crime, payment disputes, and responding to tight‑turnaround legal demands. If you know payment system rules, have dealt directly with police or regulatory orders, and know how to keep a fraud team running smoothly, this role is for you.

What You'll Do

• Team & Operational Leadership
• Direct the daily queue, ensuring the team hits strict SLAs on alerts, chargebacks, and legal notices.
• Coach analysts through complex cases, run regular quality checks, and handle escalated fraud decisions.
• Keep standard operating procedures updated as card network rules and regulations change.
• Transaction Monitoring & Fraud Operations
• Monitor live transaction streams to catch suspicious behaviour, account takeovers, and money laundering patterns.
• Partner with Product and Risk Engineers to tweak monitoring rules, trim down false positives, and plug fraud vectors.
• Lead deep-dive investigations into complex fraud cases and flagged accounts.

Chargebacks & Disputes

• Run end‑to‑end representment operations across Visa, Mastercard, and local payment rails.
• Drive up our win rates and keep our overall dispute and fraud ratios well clear of network monitoring thresholds.
• Feed chargeback root‑cause insights back to product and customer support to fix underlying issues.
• Law Enforcement Liaison & Legal Requests
• Handle intake, validation, and fulfilment for subpoenas, court orders, police requests, and asset freezes.
• Serve as the point of contact for law enforcement inquiries while ensuring data disclosures remain fully compliant with privacy laws.
• Maintain clean audit trails and tracking for all legal and law enforcement requests.

What We're Looking For

• 4–6 years of experience in fraud ops, risk, or compliance within fintech, payments, or e‑commerce.
• 2+ years in a supervisory role, squad lead, or senior analyst position where you mentored others and managed queues.
• Solid operational track record across all three core areas: tuning transaction monitoring rules, handling chargeback representments (Visa/Mastercard VROL/Mastercard Connect), and processing LEA notices.
• Data‑fluent: Comfortable pulling data in Excel or SQL to build quick reports, track team SLAs, and spot fraud trends.
• Sound judgment: Sharp communication skills with the composure to handle sensitive legal requests and high‑risk fraud escalations cleanly.