Fraud Ops Expert

bunq; Amsterdam; On-site; EUR 90,000 - 115,000; Full time

Benefits offered by this job

Hybrid setup

Learning budget

Urban Sports Club

Multisport card

Lunches

Pension plan

Job summary

bunq is building the bank of The Free, and protecting users and resolving fraud reliably is core to our mission. We’re transforming Fraud Ops from a reactive function into an AI-led capability that gets faster, smarter, and more accurate with every case.

Take ownership end-to-end: you’ll lead investigations, design AI-led workflows, drive scalable fixes, and hold KPI accountability for speed, accuracy, and user satisfaction in a global, hybrid environment.

Qualifications

• Deep knowledge of Fraud Operations, investigation methodologies, and the regulatory landscape that governs them.
• Hands-on experience handling complex fraud cases and escalations — you execute, not just oversee.
• Ability to diagnose operational problems with data and drive permanent structural fixes, not workarounds.
• Ability to design and implement AI-led workflows — you build processes with AI at the core and can own an automation roadmap end-to-end.
• Excellent communication and fluency in English — stakeholders and users always know where things stand.
• Experience in fintech or another high-growth, regulated environment.

Responsibilities

• Own every Fraud Investigation and escalation yourself: you live in the process, handle the hard cases, and make sure no user falls through the cracks.
• Identify failure patterns, own the structural fixes, and drive AI-led automation that makes fraud ops scale through intelligence rather than headcount.
• Hold full KPI accountability for speed, accuracy, and user satisfaction, you distinguish structural design flaws from noise, and you don't stop until the fix is permanent.

Skills

Fraud investigations

Regulatory landscape

Data-driven problem solving

AI-led workflows

English fluency

Fintech experience

Job description

We're building the bank of The Free, and protecting users and resolving fraud reliably is core to our mission. We're transforming Fraud Ops from a reactive function into an AI-led capability that gets faster, smarter, and more accurate with every case. That transformation needs one person to own it end-to-end.

Responsibilities

• Own every Fraud Investigation and escalation yourself: you live in the process, handle the hard cases, and make sure no user falls through the cracks.
• Identify failure patterns, own the structural fixes, and drive AI-led automation that makes fraud ops scale through intelligence rather than headcount.
• Hold full KPI accountability for speed, accuracy, and user satisfaction, you distinguish structural design flaws from noise, and you don't stop until the fix is permanent.

Qualifications

• Deep knowledge of Fraud Operations, investigation methodologies, and the regulatory landscape that governs them.
• Hands-on experience handling complex fraud cases and escalations — you execute, not just oversee.
• Ability to diagnose operational problems with data and drive permanent structural fixes, not workarounds.
• Ability to design and implement AI-led workflows — you build processes with AI at the core and can own an automation roadmap end-to-end.
• Excellent communication and fluency in English — stakeholders and users always know where things stand.
• Experience in fintech or another high-growth, regulated environment.

Your space to perform

We give you the space and the tools you need to succeed.

• Great, international colleagues who share your mindset
• Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly.
• We support growth with bunq Academy and €1500 annual learning budget
• A massive discount with Urban Sports Club for your wellbeing (in the Netherlands)
• A Multisport gym card for your health and wellbeing (in Turkey)
• Flex Benefits: €70 monthly budget via Re: benefit, offering access to 150+ perks tailored to your lifestyle.
• Travel expenses are covered whether you come walking or by bike, bus or car (though we prefer green choices) (In Turkey and Netherlands)
• Digital Nomad Program: After your first year, enjoy up to 20 days per year to work while traveling, combining flexibility with strong team collaboration
• We reward tenure with a dedicated travel budget: €1.5k after 2 years and €3k after 4 years to visit another core office.
• A MacBook so you can Get Shit Done with us
• Delicious lunches from our fabulous in-house chefs with vegan and vegetarian options
• An optional pension plan with monthly contribution from bunq (in Netherlands)
• Private health insurance, just in case (in Turkey or Bulgaria)
• Monthly contribution to your phone and internet bills (in Turkey and Netherlands)
• Friday drinks and other celebrations - bunq style

All new hires are subject to Pre-employment Screening (PES), which includes checks conducted by our third-party partner, DISA. This is part of our commitment to a secure and trustworthy workplace.