Fraud Investigator - Back-Office Case Analyst

Gotyme Za (South Africa); Johannesburg; On-site; ZAR 420,000 - 660,000; Full time

Job summary

GOTyme Bank in Johannesburg is seeking a Fraud Investigator (Back Office) to detect, investigate and resolve suspected fraudulent activities across banking channels. You will handle post-transaction analysis, evidence gathering and collaborate with internal stakeholders to mitigate losses and strengthen controls.

The role requires strong analytical skills, attention to detail and the ability to manage multiple cases in a fast-paced banking environment in South Africa.

Qualifications

• Experience with fraud prevention and suspicious transaction monitoring systems including VRM.
• 2+ years' experience in banking, data analysis, and/or risk management
• Knowledge of banking industry, regulations and financial crime
• Strong communication skills to convey ideas clearly
• Collaborative team player with cross-functional experience
• High attention to detail and quality control
• Adaptable, resilient and able to prioritize effectively in fast-paced environments
• Able to work under pressure and meet deadlines

Responsibilities

• Investigate suspected fraud cases across accounts, cards, digital channels, wallets, EFT, onboarding, and other banking channels.
• Review transaction patterns, customer profiles, device intelligence, and behavioural indicators.
• Conduct detailed case analysis and document findings in line with internal policies and regulatory requirements.
• Make risk-based decisions on account restrictions, closures, or escalations.
• Manage case queues within agreed SLAs and productivity targets.
• Process payments for case refunds and facilitate the repatriation of funds to agent banks and third parties in accordance with established procedures and controls.
• Prepare formal letters for liability outcomes and respond to requests from customers and external parties in line with established procedures and communication standards.
• Complete compliance reporting for card fraud, IFDB listings, and SAFPS listings in line with industry protocols.
• Analyse alerts generated by fraud monitoring systems.
• Identify emerging fraud patterns and elevate new typologies to Fraud Strategy teams.
• Recommend rule enhancements or control improvements based on investigation findings.
• Liaise with Customer Support teams for information gathering where required.
• Engage with customers (telephonically and in person) in a professional manner to verify activities, gather supporting information or provide resolution to case.
• Collaborate with internal and external stakeholders to expedite investigations, repatriations, and customer resolutions.
• Identify opportunities to prevent or recover potential financial losses.
• Assist with chargeback processing where applicable.
• Support reporting and recovery tracking processes.

Skills

Analytical thinking

Investigative skills

Attention to detail

Communication skills

Cross-functional collaboration

Decision-making

Integrity and confidentiality

Education

Matric

Diplomas/certificates in Fraud Risk Management

Tools

Case management systems

Microsoft Excel

Reporting tools

Job description

GOTyme Bank in Johannesburg is seeking a Fraud Investigator (Back Office) to detect, investigate and resolve suspected fraudulent activities across banking channels. You will handle post-transaction analysis, evidence gathering and collaborate with internal stakeholders to mitigate losses and strengthen controls.

The role requires strong analytical skills, attention to detail and the ability to manage multiple cases in a fast-paced banking environment in South Africa.