Fraud Analyst, Fraud Investigations

About The Opportunity

This is an opportunity for an experienced Fraud Analyst to play a critical role in protecting MoonPay and its users from fraud threats in the dynamic, fast-evolving cryptocurrency landscape.

You’ll sit within our Fraud Investigations team, leading complex investigations, managing and tuning fraud detection rules, and acting as an incident commander during live fraud attacks. You’ll own the quality of our fraud operations by running QA on our BPO partners and building AI-powered agents that scale our detection and response capabilities. At your core, you’re an incident responder focused on mitigating immediate impact from fraud while ML and Product build scalable long-term solutions and controls.

This role requires someone with strong analytical abilities, excellent attention to detail, and a deep interest in financial crime prevention in the crypto domain. You’ll work cross-functionally with Compliance, Product, Engineering, Data and ML teams to execute fraud prevention strategies, analyze fraudulent patterns, and support the broader fraud risk framework—all while maintaining SLA and precision standards.

If you thrive in a fast-paced, high-growth environment and want to have a direct, measurable impact on fraud losses, this role is for you.

What You Will Do

Incident Management

• Act as an incident commander during live fraud attacks, coordinating containment and response across teams.

• Lead complex fraud investigations, identifying root causes and recommending permanent fixes to prevent recurrence.

• Assess the severity of fraud cases and escalate high-risk cases to the Manager or Compliance in a timely manner.

• Execute rapid containment actions (blocks, freezes, restrictions) to minimise fraud exposure during active incidents.

Rule Management

• Review, build, implement, and tune fraud detection rules to optimise accuracy and minimise false declines.

• Backtest rule logic against historical data to validate effectiveness before deployment.

• Monitor rule performance in production and iterate based on real-time data and investigation outcomes.

• Own the False Decline Rate for rules implemented by the Fraud Investigations team, keeping it within acceptable thresholds.

Quality Assurance & BPO Oversight

• Conduct quality assurance reviews on BPO fraud analyst casework, assessing both process adherence and decision-making accuracy.

• Provide structured feedback and coaching to BPO teams to drive continuous improvement in investigation quality.

• Define and maintain QA scoring frameworks and calibration standards.

Agent Building & Automation

• Build, deploy, and QA AI-powered agents and automation workflows that enhance fraud detection and investigation efficiency.

• Identify opportunities to automate repetitive investigation tasks and scale the team’s operational capacity.

• Partner with Engineering, Data, and ML teams to translate investigative insights into scalable tooling and controls.

Cross-Functional Collaboration & Reporting

• Engage with Product, ML, Engineering, and Compliance teams to support investigations and contribute to fraud mitigation strategies.

• Provide support to internal teams raising fraud queries, acting as a subject matter expert on fraud risk.

• Ensure accurate and timely documentation of fraud cases, maintaining clear records for internal reporting and external audit requirements.

• Identify gaps in tooling or processes and provide actionable feedback to improve detection accuracy and investigation efficiency.

What You'll Need

• 3+ years of experience in fraud detection, prevention, and investigation, preferably in financial services, payments, or e-commerce.

• Demonstrated experience leading complex fraud investigations from initial alert through to root cause analysis and remediation.

• Hands-on experience building, implementing, and tuning fraud detection rules, including rule backtesting and performance management.

• Strong understanding of fraud typologies, attack vectors, and emerging trends in the crypto and digital payments space.

• Experience with data analysis tools and the ability to derive conclusions and recommendations from large datasets (e.g. SQL, Excel, or BI tools).

• Excellent critical thinking and risk assessment skills—you can evaluate the likelihood and impact of fraudulent activity under pressure and make sound decisions.

• Strong attention to detail with the ability to maintain accuracy and thoroughness in a high-volume, fast-paced environment.

• Clear, professional communication skills with the ability to write concise case notes, escalations, and cross-functional updates.

• A proactive, ownership-driven mindset—you identify problems, propose solutions, and drive them to completion.

Bonus Points

• Experience in the cryptocurrency or blockchain industry.

• Coding ability (e.g. SQL, Python) for data analysis, automation, or building investigative tools.

• Experience building or working with AI/ML-powered fraud detection systems or agents.

• Familiarity with blockchain analytics and on-chain investigation tools (e.g. Chainalysis, TRM Labs, Elliptic).

• Experience managing or providing QA oversight to BPO or outsourced operations teams.

• Knowledge of chargeback processes and card scheme fraud programmes.