Transaction & Fraud Monitoring Analyst

Hello Clever; Metro Manila; Hybrid; PHP 600,000 - 900,000; Full time

Benefits offered by this job

Birthday Leave

Menstrual Leave

Wellness and Development Allowance

Technology Allowance

Flexible hybrid working

Quarterly social events

Annual company trip

Job summary

Hello Clever in Manila is seeking a Fraud & Transaction Monitoring Analyst to strengthen detection, investigation, and response to financial crime across our global platform. You will review alerts, conduct KYC/CDD reviews, and help improve monitoring rules and processes.

Work closely with Fraud, Compliance, Product, Data, and Engineering; you’ll analyse data with SQL, tune detection rules, and contribute to SOPs and playbooks while supporting cross-functional investigations.

Qualifications

• 2-3 years of experience in transaction monitoring, fraud analysis, AML operations, or risk management within fintech, bank, payments company, or regulated financial services.
• Good understanding of fraud typologies, AML transaction-monitoring concepts, payment risk indicators, suspicious activity red flags, and customer/merchant risk factors.
• Strong analytical skills, sound judgement, and excellent attention to detail, with the ability to review complex cases and make well-reasoned recommendations.
• Working knowledge of SQL, with the ability to query, analyse, and interpret data to support investigations, monitoring, reporting, and trend analysis.
• Comfortable operating in a fast-paced, evolving environment, with a builder mindset and willingness to improve processes, playbooks, and controls from the ground up.
• Strong written and verbal communication skills, with the ability to document investigation findings clearly and communicate effectively with cross-functional stakeholders.
• Must be located in Manila, Philippines

Responsibilities

• Review transaction-monitoring, AML, and fraud alerts across global payment flows; investigate suspicious activity, identify red flags, and accelerate cases in line with procedures.
• Conduct KYC/CDD reviews and support enhanced due diligence for higher-risk customers, merchants, transactions, or behaviors.
• Prepare clear, audit-ready investigation records including case narratives, evidence, and escalation notes.
• Support suspicious activity escalation preparation for review by senior team members and MLRO-equivalent stakeholders.
• Analyse transaction and platform data using SQL to identify evolving fraud patterns and control gaps.
• Tune and enhance monitoring rules, thresholds, and alert logic based on trends and false positives.
• Develop and maintain SOPs, investigation guides, and playbooks as the function matures.
• Partner with cross-functional teams on investigations and process improvements.
• Support incident reviews and root-cause analysis for fraud events.

Skills

Fraud analysis

AML knowledge

Data analysis

Attention to detail

Communication

Cross-functional collaboration

Builder mindset

Tools

SQL

Job description

About UsHello Clever is building the next generation of payments and loyalty infrastructure by turning every transaction into growth for merchants. We're an AI-powered fintech operating across 22+ markets, helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates, bigger baskets, and smarter customer engagement. Our platform combines local account-to-account rails, embedded cashback & loyalty products, and powerful data intelligence (Clever AI) so merchants can launch offers, optimise ROI, and scale faster - all through a single integration. We're also proud to be recognised on the global stage including being named Australia’s fastest-growing fintech, Top 100 Forbes Asia, ranked in the AFR Fastest-Growing Companies, and selected for Inc. Magazine’s Best in Business alongside some of the most iconic companies in the world.

About The Role

We're looking for a Fraud & Transaction Monitoring Analyst to help strengthen how we detect, investigate, and respond to financial crime and payment risk across our global platform. You'll investigate fraud and transaction monitoring alerts, analyse payment data and emerging patterns, and help improve our monitoring rules, controls, and processes as we scale. Working closely with Fraud, Compliance, Product, Data, and Engineering, you'll play a hands-on role in building a strong and effective financial crime function.

Key Responsibilities

• Review transaction-monitoring, AML, and fraud alerts across global payment flows; investigate suspicious activity, identify red flags, and accelerate cases in line with internal procedures and regulatory expectations.
• Conduct KYC/CDD reviews and support enhanced due diligence for higher-risk customers, merchants, transactions, or behaviours, ensuring risks are assessed and documented appropriately.
• Prepare clear, accurate, and audit-ready investigation records, including case narratives, evidence, decision rationale, escalation notes, and recommended next steps.
• Support suspicious activity escalation preparation for review by senior team members, Compliance, or MLRO-equivalent stakeholders, ensuring timely and well-substantiated case handling.
• Analyse transaction and platform data using SQL to identify emerging fraud patterns, unusual behaviours, typologies, false positives, and control gaps.
• Help tune and enhance transaction-monitoring and fraud detection rules, thresholds, scenarios, and alert logic based on observed trends, case outcomes, and false-positive analysis.
• Build, refine, and maintain SOPs, investigation guides, escalation matrices, and monitoring playbooks as the fraud and transaction-monitoring function matures.
• Partner closely with Fraud, Transaction Monitoring, Compliance, Product, Data, Operations, and Engineering teams on cross-functional investigations, control enhancements, and process improvements.
• Support incident reviews and root-cause analysis for fraud events, control failures, or unusual activity patterns, contributing to remediation actions that reduce losses and strengthen monitoring effectiveness.

Required Qualifications

• 2-3 years of experience in transaction monitoring, fraud analysis, AML operations, financial crime, payments risk, or risk operations within a fintech, bank, payments company, or regulated financial services environment.
• Good understanding of fraud typologies, AML transaction-monitoring concepts, payment risk indicators, suspicious activity red flags, and customer/merchant risk factors.
• Strong analytical skills, sound judgement, and excellent attention to detail, with the ability to review complex cases and make well-reasoned recommendations.
• Working knowledge of SQL, with the ability to query, analyse, and interpret data to support investigations, monitoring, reporting, and trend analysis.
• Comfortable operating in a fast-paced, evolving environment, with a builder mindset and willingness to improve processes, playbooks, and controls from the ground up.
• Strong written and verbal communication skills, with the ability to document investigation findings clearly and communicate effectively with cross-functional stakeholders.
• Must be located in Manila, Philippines

Preferred / Nice-to-Have

• Experience using fraud, AML, transaction-monitoring, case-management, or payments-risk tools.
• Payments-specific fraud experience, including exposure to cards, bank transfers, wallets, real-time payments, merchant acquiring, chargebacks, account takeover, mule activity, scams, or payment abuse.
• Experience supporting rule tuning, threshold optimisation, false-positive reduction, dashboard monitoring, or fraud/AML reporting.
• Familiarity with regulatory expectations related to AML/CFT, suspicious activity escalation, KYC/CDD, enhanced due diligence, or financial crime controls in payments or fintech environments.

Benefits & Perks

• Leave that supports real life - Enjoy Birthday Leave and Menstrual Leave in addition to your standard annual leave.
• Invest in your wellbeing and growth - Receive an annual Wellness and Development Allowance to use toward what helps you feel and perform at your best.
• Technology support - Access a Technology Allowance to help you create a productive working setup.
• Flexible hybrid working - Enjoy the balance of collaborating in person and working remotely.
• Celebrate together - Connect with the team through quarterly social events and our annual company trip.