AML Operations Analyst - Fraud

OpenKrill; United States; Remote; USD 70,000 - 110,000; Full time

Benefits offered by this job

Restaurant-like perks

Job summary

LemFi is the financial engine enabling cross-border transactions. We seek an AML Operations Analyst (Fraud) to protect customers from losses while keeping products easy to use.

You will investigate alerts, handle reports from banks and partners, respond to chargebacks, and spot new fraud patterns early to act before losses grow. You will work with the FinCrime team under the FinCrime Operations Manager, balancing risk with customer experience.

Qualifications

• 1–3 years of fraud experience in fintech, payments, or banking.
• Hands-on fraud investigations: card fraud, chargebacks, APP scams, account takeover.
• Experience handling fraud reports and recall requests from banks/partners.
• Understanding fraud rules in operating markets; APP scam reimbursement and card disputes.
• KYC/ID verification familiarity is a plus.
• Ability to make defensible, quick decisions.
• Strong written and verbal English communication skills.

Responsibilities

• Review fraud alerts and cases; make decisions to block, restrict, or release activity.
• Conduct end-to-end fraud investigations using device, IP, transaction, and identity data.
• Handle fraud reports and recall requests; act on affected accounts within SLAs.
• Review card disputes, gather evidence, and submit timely responses.
• Respond to fraud-related customer tickets with clarity and empathy.
• Identify emerging fraud patterns and suggest rule/controls changes to reduce losses.
• Escalate money-laundering concerns to AML team when needed.
• Collaborate with product, engineering, and payments to improve fraud controls.

Skills

Fluent English

Google Sheets/Excel

SQL/Metabase

Decisive judgment

Strong communication

Tools

SQL/Metabase

Job description

Ambition has no passport. That belief is why LemFi https://lemfi.com/en-gb/careers exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were.

ABOUT THE ROLE

LemFi is the financial engine for people the world wasn't built to serve, processing remittances, multi-currency accounts, credit, savings and eSIMs across more than 21 countries. Our Compliance Operations team is the reason our customers can trust every transaction they send.

As an AML Operations Analyst (Fraud) in the Compliance Operations team, you will protect LemFi and its customers from fraud losses while keeping our products easy and safe to use. You will report to the FinCrime Operations Manager and work at the centre of day to day fraud decisions, balancing loss prevention with customer experience.

You will investigate fraud alerts and cases, handle fraud reports from customers, banks and partners, respond to chargebacks and help spot new fraud patterns early so we can act before losses grow.

Our Compliance Operations team works collaboratively across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations. We match candidates to the area that best aligns with their skills and strengths, so you may be placed in a different area from the one you applied for. As you develop your skills and grow within the team, there may also be opportunities to move across these areas.

WHAT YOU'LL BUILD AND OWN

• Review & Decide: Work fraud alerts and cases and make accurate, timely decisions to block, restrict or release activity.
• Investigate Fraud: Run end to end investigations into card funding fraud, account takeover, APP scams, first party fraud and coordinated account networks, using device, IP, transaction and identity data.
• Handle Fraud Reports: Review fraud reports and recall requests from customers, banks and payment partners, take action on affected accounts and respond within agreed SLAs.
• Manage Chargebacks: Review card disputes, gather evidence and submit responses within deadlines.
• Serve Customers: Respond to fraud related customer tickets with clarity, professionalism, and empathy.
• Spot Patterns: Identify emerging fraud trends and suggest rule or control changes to reduce losses.
• Escalate Appropriately: Escalate cases with money laundering concerns to the AML team.
• Collaborate: Work with product, engineering and payments teams to improve fraud rules and controls.

YOUR EXPERIENCE:

• 1- 3 years of fraud experience in a fintech, payments company or bank.
• Hands-on experience with card fraud, chargebacks, APP scams and account takeover investigations.
• Experience handling fraud reports and recall requests from banks and partners.
• Understanding of fraud rules in the markets we operate in, including APP scam reimbursement and card scheme dispute rules.
• Familiarity with KYC and ID verification checks is a plus.
• Ability to make defensible decisions on your own, quickly.
• Strong written and verbal communication skills in English.
• Good skills in Google Sheets or Excel. SQL or Metabase is a plus.
• CFE, CAMS or ICA certification is a plus.
• Excellent organisational skills with strong attention to detail.
• Willingness to work shifts, including weekends and public holidays, as we run a 24/7 operation.

NICE TO HAVE

• Risk Minded: You apply sound judgement when assessing customer and transaction risk, balancing control with customer impact.
• Detail Oriented: You spot inconsistencies and red flags that others may miss, ensuring high quality case outcomes and notes.
• Ownership Driven: You take responsibility for your decisions and follow cases through to completion without constant oversight.
• Adaptable: You are comfortable working in a fast changing environment with evolving regulations and priorities and You stay calm under time pressure, especially when payments are on hold.
• Use Data to Support Decisions: Review alert and case information to support accurate decision making under guidance from senior team members.
• Collaborative: You work well with global teams and support shared outcomes over individual wins.

THE INTERVIEW PROCESS:

• Role-based skills assessment
• Hiring Manager Interview (45mins)
• Bar Raiser interview (Technical and behavioural) with the Hiring team (45mins)

WHY JOIN LEMFI?

Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down.

Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours.

Follow us on LinkedIn https://www.linkedin.com/company/lemfi/ and Instagram https://www.instagram.com/uselemfi/ and if you haven't already, download the app on the App Store https://apps.apple.com/gb/app/lemfi/id1533066809 or Google Play https://play.google.com/store/apps/details?hl=en&id=com.lemonadeFinance.android.

RECRUITMENT AGENCIES NOTICE

LemFi does not accept unsolicited CVs from recruitment agencies. We work only with agencies on our preferred supplier list, and only when we’ve asked them for their support. Any CVs sent to us outside this arrangement will not incur a fee.