Merchant Fraud Analyst

United States Digital Space LLC; Amsterdam; On-site; EUR 42,000 - 62,000; Full time

Job summary

This role, based in Amsterdam, belongs to the Merchant Fraud team at This is the company. You will investigate and prevent fraudulent activity across acquiring, banking, and issuing services to protect customers and the platform.

You will collaborate with Compliance, Product, and Merchant Operations, applying data-driven insights to evolve detection methods and response playbooks. Office-based with a strong in-person collaboration culture.

Qualifications

• 1–3 years of fraud experience at a financial institution.
• Fluent in written and spoken English.
• Knowledge of fraud varieties such as APP fraud, account take-overs, shopper/merchant collusion, and synthetic identity fraud.
• Able to use data to drive decisions and iteratively improve processes.
• Comfortable working independently and with cross‑functional teams across cultures.

Responsibilities

• Monitor and investigate fraud patterns and real-time activity to detect and mitigate risk.
• Assist in developing and optimizing fraud detection systems and tools.
• Contribute to incident response policies, root-cause analysis, and funds recovery procedures.
• Coordinate fraud recall efforts with banks and networks to recover funds where possible.
• Stay current on fraud trends and technologies to enhance prevention methods.

Skills

Fraud detection

Data-driven decisions

Analytical mindset

Team collaboration

English proficiency

Job description

This is the company

the company provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At the company, everything we do is engineered for ambition.

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

Merchant Fraud Analyst

We are looking for an ambitious analyst to join our Merchant Fraud team. As part of the Merchant Fraud team in Amsterdam you will be working closely with Compliance, Product and other Merchant Operations teams. As a Merchant Fraud Analyst you will be responsible for identifying, investigating, and preventing fraudulent activities related to our acquiring, banking and issuing services. Your expertise will contribute to maintaining the integrity of our platform and ensuring a secure and trustworthy environment for our users. The Merchant Fraud Team is responsible for detecting and mitigating fraudulent activity that scalably reduces risk for the company and its customers.

What you’ll do

• Monitor and investigate transaction patterns, account activity, and user behavior patterns to detect and mitigate fraudulent activity in real-time.

• Assist in the development and optimization of fraud detection systems and tools, suggesting improvements and enhancements as needed.

• Develop and optimize policies and procedures for fraud incident response, root cause analysis, funds recovery and communication protocols.

• Manage fraud recall handling, coordinating with banks and networks to recover funds where possible.

• Stay up-to-date with the latest fraud trends, techniques, and technologies to continuously enhance fraud detection and prevention methods.

Who you are

• Fluent in spoken and written English

• 1-3 years of experience in fraud at a financial institution

• Knowledge of multiple forms of fraud, financial crimes and scams for example; APP fraud, Account take-overs, Shopper and Merchant Collusion, Synthetic identity fraud

• Willingness to make difficult decisions and quickly learn and iterate from these experiences - you are skilled at using data to drive decisions

• You are able to work both on your own and with others, taking ownership where your knowledge is needed. At the same time you are a strong collaborator who is comfortable with connecting with colleagues across different teams and cultures, sharing ideas to improve efficient teamwork.

Our Diversity, Equity and Inclusion commitments

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at the company.

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, the company encourages you to reconsider and apply.

This role is based out of our Amsterdam office. We are an office-first company (3 days in office a week) and value in-person collaboration; we do not offer remote-only roles.