Senior Fraud Investigations Analyst

About Us at GoCardless

GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. 

GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions.

We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States.

At GoCardless, we're all about supporting you We're committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we're here to help 

And remember: we don't expect you to meet every single requirement. If you're excited by this role, we encourage you to apply

The role

The Fraud Operations team is focused on conducting investigations to identify and mitigate high-risk behaviour to protect GoCardless from fraud risks. We have a duty to banking partners, regulators, schemes, merchants and their customers to review and monitor accounts and transactions with the utmost care.

We're looking for a Senior Fraud Investigations Analyst to help build out investigative excellence. You will conduct complex, forensic-level investigations across our Fraud and Financial Crime domains and deliver robust intelligence to key stakeholders.

Working hours: Monday-Friday 9am - 6pm, and willingness to work on some public holidays.

What excites you

• Leading and managing complex, high-priority and escalated investigations, ensuring thorough and timely resolution
• Producing high-impact intelligence reports and strategic briefings for key stakeholders, translating findings into clear conclusions & actionable recommendations
• Serving as a subject-matter expert on fraud investigations and mentoring less experienced investigators, fostering their professional growth and ensuring high-quality output and operational excellence. You enjoy being the 'go-to' person in a team
• Maintaining a thorough understanding of GoCardless products, policies and processes, and supporting new features and product launches
• Working in a global fraud team where you can share experiences and learn from other team members who come from a variety of industries
• Working in a high-growth environment where emerging risks and trends play a big part in our growth

What excites us

• You possess significant experience in conducting complex fraud investigations or financial crime analysis, ideally within a FinTech or payment services environment
• You have experience in using investigative tools and link analysis software
• You have strong communication skills with an ability to strike the right tone with stakeholders, and can impart knowledge to your peers
• You demonstrate exceptional reasoning and critical thinking skills, adept at dissecting complex financial data to distinguish legitimate activity from sophisticated illicit schemes.
• You possess a profound understanding of how new information impacts complex problem-solving, strategic decision-making, and the evolution of fraud prevention frameworks
• You're driven by initiative and understand the impact of every decision you make on our merchants 
• You have deep industry knowledge and enjoy continually learning and scanning for new threats
• Results-focused: You can prioritise, organise, and show initiative and are willing to get the job done 
• You have experience in team leadership, whether formal or informal

Base salary range: € 3,400- € 5,100 (gross).

Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (€ 3,400 - € 4,250) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work.

The Good Stuff

• Wellbeing: Dedicated support and medical cover to keep you healthy.
• Work Away Scheme: Work from anywhere for up to 90 days in any 12-month period.
• Hybrid Working: Our hybrid model offers flexibility, with in-office days determined by your team.
• Equity: All permanently employed GeeCees get equity to share in our success.
• Parental leave: Tailored leave to support your life's great adventure.
• Time Off: Generous holidays, 3 volunteer days, and 4 wellness days annually.

Life at GoCardless

We're an organisation defined by our values; We start with why before we begin any project, to ensure it's aligned with our mission. We make it happen, working with urgency and taking personal accountability for getting things done. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Our Values form part of the GoCardless DNA, and are used to not only help us nurture and develop our culture, but to deliver impactful work that will help us to achieve our vision.

Diversity & Inclusion

We're building the payment network of the future, and to achieve our goal, we need a diverse team with a range of perspectives and experiences. As of July 2024, here's where we stand:

• 45% identify as women 
• 23% identify as Black, Asian, Mixed, or Other 
• 10% identify as LGBTQIA+ 
• 9% identify as neurodiverse 
• 2% identify as disabled 

If you want to learn more, you can read about our Employee Resource Groups and objectives here as well as our latest D&I Report 

Sustainability at GoCardless

We're committed to reducing our environmental impact and leaving a sustainable world for future generations. As co-founders of the Tech Zero coalition, we're working towards a climate-positive future. Check out our sustainability action plan here. 

Find out more about Life at GoCardless via X, Instagram and LinkedIn. 

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