Fraud Analyst

The role

We are hiring a Senior Fraud Analyst to take full ownership of Creem's fraud prevention program — its design, implementation, and continuous improvement. Today, parts of this work are supported by external consultants; your goal is to bring that expertise in-house and build a program strong enough that does not rely on external counsel.

The direction is clear: proactive and real-time, not retroactive. Rather than analysing losses after the fact, you will build automated controls and scenarios that detect and stop fraud as it happens - before it turns into chargebacks, network monitoring programs, or PSP escalations. You will combine hands-on data analysis with automation, and you are free to leverage third-party fraud prevention vendors wherever they outperform building in-house. In general, you are free to implement any effective technical controls, as well as in the long term hire additional resources if necessary, but considering that the approach must be pro-active you cannot over-hire and must always prioritise automated controls and measures.

What you will do

• Own the fraud prevention program end-to-end. Design, implement, and continuously improve Creem's entire fraud prevention framework — strategy, controls, tooling, and processes — and act as the company's internal stakeholder on fraud and transaction risk.

• Build proactive, real-time controls. Develop and tune automated fraud detection rules and scenarios, velocity checks, and prevention scenarios that act at transaction time — covering patterns typical of SaaS and AI businesses such as card testing, stolen-card usage, free-trial and refund abuse, and account takeover. In addition to a rule-based approach, we expect you to work with and implement sophisticated AI/ML models and controls.

• Drive decisions with data. Analyse transaction, dispute, and merchant data to identify emerging fraud patterns, measure control performance (catch rate, false positives, financial impact), and iterate on rules and models based on evidence rather than anecdote.

• Merchant monitoring and managing merchant risk. Own risk policies and procedures for merchant onboarding and ongoing monitoring, so high-risk actors are identified before they generate losses or compliance exposure, and the impact of the controls to “good” merchants is minimal.

• Manage end-customer fraud. As a merchant-of-record, in addition to merchant-led risk and fraud, we are also open to end-customer fraud to protect our merchants. You have to analyse end-customer activity, relevant data points and connections in order to ensure that executed transactions are legitimate and not fraudulent.

• Leverage third-party vendors and external partners. Evaluate, integrate, and tune external fraud prevention and risk tools and partners - own those relationships and make deliberate build-vs-buy decisions about where they fit in the stack.