Risk and Fraud Investigator

Niyo; Bengaluru; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Keka Inc. is seeking a hands-on Team Lead to run day-to-day operations across transaction monitoring, chargebacks, and LEA responses in Bengaluru.

You will lead analysts handling financial crime, payment disputes, and legal requests, ensuring smooth fraud operations and compliance with evolving regulations. You will tune monitoring rules with risk engineers, maintain quality, and drive high win rates while keeping fraud ratios well below thresholds.

Qualifications

• 4–6 years of experience in fraud ops, risk, or compliance within fintech, payments, or e-commerce.
• 2+ years in a supervisory or lead role mentoring others and managing queues.
• Strong data fluency and ability to pull data in Excel/SQL to track SLAs and trends.

Responsibilities

• Lead daily operations across transaction monitoring, chargebacks, and LEA responses.
• Direct a team of analysts to meet SLAs on alerts, chargebacks, and legal notices.
• Coach, perform quality checks, and update SOPs as rules/regulations change.

Skills

Team Leadership

Fraud Operations

Regulatory Compliance

Data Analysis

Tools

Excel

SQL

Job description

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.
• 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.
• 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.