A growing payments business is looking to appoint a Fraud & Risk Controller. This role is focused on designing and implementing fraud controls across both card and non-card transactions. The successful candidate will play a critical role in ensuring the business is fully prepared from a fraud, risk, control, and compliance perspective ahead of its card processing rollout. Key Focus of the Role Build and implement fraud rules across card and non-card transactions (EFT, RTC, Pay Shap, etc.) Support real-time transaction monitoring and decisioning Contribute to fraud control architecture and risk strategy Operate as a hands‑on all-rounder across fraud, KYB, onboarding, and compliance in the early stages DUTIES Design, build, and optimise fraud detection rules and strategies across card and non-card payment channels Develop rule logic, thresholds, triggers, and decline strategies Support real-time transaction monitoring and decisioning using relevant monitoring tools Analyse fraud trends and translate findings into rule enhancements and improved controls Implement controls such as velocity checks, MCC restrictions, geo-blocking, and transaction limits Work closely with product and engineering teams on fraud tooling and rule deployment Support the rollout of card processing, ensuring robust fraud prevention measures are in place Manage chargebacks and dispute resolution processes end‑to‑end Perform transaction monitoring and fraud alert handling Conduct merchant KYB and enhanced due diligence (EDD) processes Perform sanctions screening, PEP screening, and adverse media checks Assist with AML compliance and client due diligence Maintain clear documentation of fraud rules, controls, and processes REQUIREMENTS 1–3 years’ experience in a fraud, risk, or financial crime role within payments or banking Proven experience across card and non-card transaction fraud environments Hands‑on experience in fraud rule creation, optimisation, and transaction monitoring Experience working with transaction monitoring tools and real‑time decisioning systems Strong understanding of card payment flows and lifecycle Exposure to KYB, merchant onboarding, enhanced due diligence, and AML processes Knowledge of sanctions screening, PEP screening, and adverse media checks Experience handling chargebacks and dispute management Strong analytical and problem‑solving skills Comfortable working in a hands‑on, evolving environment Experience working with card schemes such as Visa or Mastercard Exposure to issuing or acquiring environments advantageous #J-18808-Ljbffr