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LemFi is a fintech platform providing financial services—remittances, multi-currency accounts, savings, eSIMs, and credit—across 21+ countries for diaspora communities and international migrants. The Compliance Operations team ensures customers can trust every transaction.
As an AML Operations Analyst (Fraud), you will protect LemFi and its customers from fraud losses while maintaining product usability and safety. You report to the FinCrime Operations Manager and sit at the center of day-to-day fraud decisions, balancing loss prevention with customer experience.
Key responsibilities:
- Review and decide on fraud alerts and cases, making accurate, timely decisions to block, restrict, or release activity
- Conduct end-to-end investigations into card funding fraud, account takeover, APP scams, first-party fraud, and coordinated account networks using device, IP, transaction, and identity data
- Review fraud reports and recall requests from customers, banks, and payment partners; take action on affected accounts and respond within SLAs
- Review card disputes, gather evidence, and submit chargeback responses within deadlines
- Respond to fraud-related customer tickets with clarity, professionalism, and empathy
- Identify emerging fraud trends and suggest rule or control changes to reduce losses
- Escalate cases with money laundering concerns to the AML team
- Collaborate with product, engineering, and payments teams to improve fraud rules and controls
The Compliance Operations team works across Transaction Monitoring & Sanctions, Customer Due Diligence, Fraud, and Investigations. You may be placed in a different area than applied for based on skills and strengths, with opportunities to move across areas as you develop.
LemFi operates 24/7, so willingness to work shifts including weekends and public holidays is required.
REQUIREMENTS:
- 1–3 years of fraud experience in fintech, payments, or banking
- Hands-on experience with card fraud, chargebacks, APP scams, and account takeover investigations
- Experience handling fraud reports and recall requests from banks and partners
- Understanding of fraud rules in operating markets, including APP scam reimbursement and card scheme dispute rules
- Ability to make defensible decisions independently and quickly
- Strong written and verbal communication skills in English
- Proficiency in Google Sheets or Excel (SQL or Metabase a plus)
- Excellent organizational skills with strong attention to detail
NICE TO HAVE:
- CFE, CAMS, or ICA certification
- Familiarity with KYC and ID verification checks
- Risk-minded judgment balancing control with customer impact
- Detail-oriented approach to spotting inconsistencies and red flags
- Ownership-driven mindset with follow-through on cases
- Adaptability in fast-changing environments with evolving regulations
- Ability to stay calm under time pressure
- Data-driven decision-making skills
- Collaborative approach with global teams
