Fraud Operations Analyst — Process & Analytics Lead

N26; Madrid (IA); On-site; USD 48,000 - 71,000; Full time

Benefits offered by this job

Premium N26 account

Work from home budget

Discounts on fitness and wellness

Language apps

Public transportation

Relocation package with visa support

Job summary

N26 is seeking a Fraud Analyst to join our AFC Operations team. You will identify, investigate, and mitigate fraud risks while balancing daily case handling with strategic projects.

You will analyze transaction patterns, develop process improvements, and create clear Work Instructions. English fluency is required; other European languages are a plus. This role offers visa support for relocation where needed and a culture of innovation.

Qualifications

• 2+ years of experience in fraud operations or financial crime investigations.
• Hands-on experience with fraud detection or case management systems.
• Strong data analysis skills with Advanced Excel/Google Sheets.
• Experience with SQL or BI tools (Power BI/Looker/Tableau) is a strong plus.
• Ability to write clear Work Instructions and process maps.
• Bachelor's degree in a related field preferred.
• Fluency in English; additional languages a plus.
• Strong communication and stakeholder management.

Responsibilities

• Drive process improvements across fraud detection and investigation workflows.
• Create and maintain Work Instructions aligned with policies.
• Balance daily case-handling with project initiatives.
• Investigate complex fraud escalations to minimize losses.
• Provide training and operational support to the team.
• Analyze data to identify fraud typologies and patterns.
• Leverage BI tools to optimize monitoring systems.

Skills

Fraud operations

Data analysis

Advanced Excel

SQL/BI tools

Structured problem-solving

Work Instructions

Stakeholder management

Clear communication

Prioritization

Education

Bachelor's degree (related field)

Tools

Power BI

Looker

Tableau

Fraud detection systems

Case management systems

Alerts monitoring tools

Job description

N26 is seeking a Fraud Analyst to join our AFC Operations team. You will identify, investigate, and mitigate fraud risks while balancing daily case handling with strategic projects.

You will analyze transaction patterns, develop process improvements, and create clear Work Instructions. English fluency is required; other European languages are a plus. This role offers visa support for relocation where needed and a culture of innovation.