Fraud Operations Analyst - Merchant Acquiring

Citi; New York (NY); Hybrid; USD 10,000 - 15,000; Full time

Job summary

Citi is seeking a Fraud Operations Analyst 2 (C10) for the merchant acquiring portfolio in Kuala Lumpur. The role supports fraud risk management strategies including detection, onboarding reviews, monitoring, and case investigation.

The successful candidate collaborates with risk partners, product teams, and external stakeholders to strengthen controls while maintaining client experience. You’ll work a rotating schedule across APAC/EMEA/NAM with a 24/7 shift environment, and bring 1–2 years in

Qualifications

• Bachelor’s degree or equivalent in finance or related field.
• 1–2 years in Fraud Operations, Fraud Risk Management, Payments, Merchant Acquiring, Cards, or similar.
• Excellent verbal and written communication skills required.

Responsibilities

• Work on shifting schedule (APAC/EMEA/NAM) with 24/7 shift environment.
• Review and perform short- and long-term forecasting and standardized fraud analyses.
• Make judgments within guidelines under general supervision.
• Develop and maintain knowledge of business/industry standards and practices.
• Identify data/result inconsistencies and exchange information concisely.
• Escalate concerns to Manager and provide recommendations on next steps in Fraud Risk Assessment.
• Build strong relationships with peers and other teams to achieve objectives.
• Impact the business by the quality of tasks/services provided and ensure risk controls are followed.

Skills

Excellent verbal and written comms

Strong analytical skills

Microsoft Office proficiency

Education

Bachelor’s degree or equivalent in finance

Tools

Microsoft Office

Job description

Fraud Operations Analyst - Merchant Acquiring

Location(s):

Kuala Lumpur, Kuala Lumpur, Malaysia

Job Type:

Hybrid

Posted:

Oct. 09, 2026

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Job Overview

The Fraud Ops Analyst 2 (C10) is an entry-level role responsible for supporting the execution of fraud risk management strategies and controls to minimize fraud losses and protect the merchant acquiring portfolio. The individual will assist in a broad range of fraud operations activities, including fraud detection, merchant onboarding review, merchant monitoring, transaction reviews, and investigative case management. By applying established fraud risk policies and risk/reward decision-making methodologies, the analyst helps identify, investigate, and mitigate fraudulent activities while maintaining a positive client experience. This role requires close collaboration with cross-functional teams, risk partners, product teams, and external stakeholders to monitor emerging fraud trends, strengthen fraud controls, and support effective fraud loss prevention initiatives.

In this role, you’re expected to:

• Work on shifting schedule (APAC/EMEA/NAM) and open to a 24/7 shift environment, including weekends and public holidays.
• Review and perform short- and long-term forecasting analysis and standardized fraud analysis.
• Make judgments based on practice and precedence, and work within guidelines, under general supervision.
• Develop and maintain working knowledge of business/industry standards and practices.
• Identify inconsistencies in data or results and exchange information in a concise and rational method.
• Escalate any concerns or issues to the Manager. Provide feedback and recommendations on the next course of action in relation to Fraud Risk Assessment.
• Build strong relationships with peers. Demonstrate fundamental understanding of how the team interacts with others in accomplishing the objectives of the area.
• Impact the business directly on the quality of the tasks/services provided.
• Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

As a successful candidate, you’d ideally have the following skills and exposure:

• Bachelor’s/University degree or equivalent experience ideally finance related courses
• Minimum 1 - 2 years working experience in Fraud Operations, Fraud Risk Management, Payments, Merchant Acquiring, Cards, Financial Services or similar role
• Excellent verbal and written communication skills
• Demonstrates a foundational understanding of the financial Industry and related skills
• Proficiency in Microsoft Office
• Strong analytical skills

Job Family Group:

Operations - Services

Job Family:

Fraud Operations

Time Type:

Full time

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