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Senior Fraud Operations

Verto Inc.

Job Overview

Location

London, Indiana, USA

Job Type

Full-time

Full Job Description

📋 Description

• Own the entire Fraud Operations function at Verto: you will design, build, and continuously enhance the strategic roadmap for the next 12 months, ensuring every milestone directly supports our rapid expansion across emerging-market corridors and protects billions of dollars in annual payment volume.
• Architect scalable Standard Operating Procedures that turn ad-hoc fraud responses into a resilient, repeatable machine—automating low-risk decisions, escalating high-risk cases instantly, and creating playbooks that the wider Operations, Compliance, and Product teams can trust without micromanagement.
• Master and fine-tune our advanced fraud-detection stack daily: reduce false-positive rates that frustrate legitimate customers while tightening the net on sophisticated bad actors; your calibration work will be measured by a tangible drop in fraud-loss ratios within your first year.
• Lead end-to-end investigations on the most complex payment-fraud cases—card testing, account takeover, mule networks, cross-border laundering—acting as Verto’s primary liaison with law-enforcement agencies, card schemes, forensic vendors, and external recovery partners to claw back losses and secure prosecutions.
• Become the Compliance Data SME for the entire business: mine transaction-level data to surface emerging fraud typologies, feed actionable intelligence into Transaction-Monitoring calibration, and translate technical findings into plain-English briefs that Sales, Product, and Customer Success teams can act on.
• Own the full chargeback lifecycle—from initial alert through representment and arbitration—analysing root-cause trends, drafting compelling defence packages, and partnering with Visa and Mastercard to protect Verto’s dispute win-rate and merchant reputation.
• Serve as Risk Owner for our fast-growing Pay-by-Link product: monitor live transaction flows, tune velocity and behavioural rules, and embed security-by-design features so clients can onboard new payment links in minutes without exposing the platform to card-testing attacks or friendly fraud.
• Partner elbow-to-elbow with Product squads to embed bleeding-edge fraud controls directly into new features—whether that’s real-time device fingerprinting at checkout, dynamic 3DS triggers, or AI-driven behavioural scoring—so security is a core user experience, not a bolt-on afterthought.
• Continuously scan the external landscape—dark-web marketplaces, industry bulletins, regulator advisories, and peer networks—to anticipate the next attack vector and ensure Verto is always two steps ahead; your intel briefings will shape quarterly risk-appetite reviews and board-level decisions.
• Influence non-technical stakeholders through crisp data storytelling: build dashboards that show Sales how fraud rules impact conversion, run lunch-and-learn sessions that demystify chargeback ratios for Account Managers, and translate regulator feedback into clear product requirements.
• Champion a culture of experimentation—A/B test rule thresholds, pilot new consortium data feeds, and quantify ROI on every tool or vendor—so the Fraud Operations budget grows because it repeatedly proves its value in saved losses and improved customer trust.
• Mentor junior analysts and create a knowledge base that scales your expertise; within six months the team should be able to run day-to-day tuning autonomously while you focus on strategic horizon scanning and cross-functional initiatives.
• Report directly to the Head of Compliance and present monthly to the Executive Committee, translating fraud metrics into revenue-impact narratives that secure continued investment in tooling, headcount, and product enhancements.

🎯 Requirements

• 3–4 years of hands-on fraud-analysis experience, with deep exposure to card-not-present, cross-border, and pay-by-link payment rails in a high-growth FinTech or payments environment.
• Proven track record of building or materially enhancing a Fraud Operations function—documented process maps, KPI dashboards, and measurable reductions in fraud-loss ratio.
• Expert-level knowledge of Visa and Mastercard chargeback rules, TC40/SAFE alerts, and dispute representment best practices.
• Demonstrated investigative mindset with real-world experience collaborating with law-enforcement or external forensic partners to recover funds and support prosecutions.
• Advanced data skills: SQL fluency, proficiency with at least one BI tool (Tableau, Looker, PowerBI), and comfort manipulating large transactional datasets to surface fraud patterns.

🏖️ Benefits

• Competitive base salary benchmarked to the top quartile of London FinTechs, plus a performance bonus tied directly to fraud-loss reduction targets.
• Hybrid working model—three days in our Shoreditch office, two days remote—with the option to work abroad for up to four weeks per year.
• £1,000 annual learning & development stipend for certifications (ACAMS, CFE, ICA), conferences, or advanced data-science courses.
• Private medical, dental, and vision cover for you and your family from day one, plus a £50 monthly wellness allowance for gym, therapy, or mindfulness apps.

Skills & Technologies

Senior

Onsite

Degree Required

Remote

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Verto Inc.

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About Verto Inc.

Verto Inc. operates a cross-border payments and foreign-exchange platform for businesses and financial institutions. It enables real-time FX conversion and multi-currency accounts, offering treasury management tools, virtual wallets, and API integrations. Founded in 2017 and headquartered in London with offices in Lagos, Nairobi, and Dubai, the company facilitates transactions in more than 40 currencies across Africa, Europe, and the Middle East, targeting importers, exporters, fintechs, and banks seeking cheaper, faster settlement than traditional banking rails.

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