Senior Fraud Analyst – Fraud Investigations & Financial Crimes Monitoring

WHO WE ARE  We simplify wealth creation. Founded in 2014 in Vienna, Austria by Eric Demuth, Paul Klanschek and Christian Trummer, we’re here to help people trust themselves enough to build their financial freedom — for now and the future. Our user-friendly, trade-everything platform empowers both first-time investors and seasoned experts to invest in the cryptocurrencies, crypto indices, stocks*, precious metals and commodities* they want — with any sized budget, 24/7. Our global team works across different cultures and time zones, bringing our products to more than 7 million customers, making us one of Europe’s safest and most secure platforms that powers modern investing.   Headquartered in Austria but operating across Europe, our products are built by fast-moving, talented, “roll-up-your-sleeves-and-make-it-happen” kind of people. It’s these diverse perspectives and innovative minds operating as ONE TEAM that keep Bitpanda at the cutting edge of our industry. So if you’re someone who thinks big, moves fast and wants to make an impact right from day one, then get ready to join our industry-changing team. Let’s go!   Your mission As a Payment & Risk Operations Specialist at Bitpanda, your mission is to conduct pre-execution transaction monitoring to prevent exposure to financial crime and system abuse, applying first-principles reasoning to assess unusual activity by using evidence and data to balance risk and impact in a way that serves both the company and the user.   What you’ll do * Assess suspicious activity in fiat and crypto transactions; determine and take ownership of appropriate mitigation strategies. * Analyse blockchain data to inform risk decisions with actionable insights. * Provide direct customer support via email and live chat, ensuring clear and professional communication. * Collaborate with internal teams on escalated cases, ensuring SLA adherence and contributing to operational improvements. * Support senior team members by compiling insights on emerging fraud trends and assisting with relevant reporting.     Who you are * 4+ years of experience in risk, fraud, or payments operations, including at least 2 years focused on payments fraud prevention in crypto or fintech, with practical experience investigating transactions using blockchain intelligence tools. SQL skills are a plus. * Demonstrate a strong commitment to fraud prevention through proactive, impact-driven intervention methods. * Apply practical, well-reasoned problem-solving grounded in data and logic, with a focus on efficiency and meaningful outcomes. * Communicate effectively, operate with sound judgment, and base decisions on evidence rather than personal bias or assumption. * Adapt easily to shifting priorities and maintain a continuous learning mindset to close knowledge gaps.     WHAT’S IN IT FOR YOU * Flexibility to work where you thrive – Enjoy the freedom of our Hybrid working model, combining onsite collaboration and remote work, with an additional 25 days per year to work from a city or country of your choice. * Reward for your impact – Receive a competitive total compensation package aligned with Bitpanda’s pay-for-impact policy, including participation in our stock option plan. * Support for your mental wellbeing – Access confidential coaching, counselling, and mental health resources whenever you need them through OpenUP. * Time to recharge – On top of your standard annual leave, Prioritise your wellbeing with 3 additional days of paid time off to rest, reset, and recharge, available once you’ve been with us for 6 months. * Continuous learning and growth – Grow your skills and stay ahead in your career with unlimited access to Udemy’s library of online courses at your own pace. * Exclusive perks and rewards – Enjoy discounts, rewards, and perks from partners worldwide across lifestyle, wellness, tech, and travel. * Support during life milestones – Take advantage of our additional 8 weeks of gender-neutral new parent leave to welcome and bond with your new addition to the family. * Fuel and focus on-site – Pandas in Vienna, Bucharest, Barcelona, and Berlin can enjoy free onsite dining, with freshly prepared lunches and snacks to keep you fueled and focused all day long. * Recognition for your contributions – Celebrate milestones and achievements with recognition and rewards for your Tenure at Bitpanda. * Show your Bitpanda pride – Access exclusive Bitpanda-branded merchandise and gear to represent. * Connect and celebrate with your team – Join unforgettable company events, from our Winter Party in Vienna to gatherings worldwide, fostering fun, connection, and celebration        .…and even more location-specific benefits designed to make life at Bitpanda even more rewarding wherever you are.   Above all, you will have the opportunity to learn and grow as part of Bitpanda’s incredible journey towards being Europe’s future #1 investment platform. BITPANDA IS COMMITTED TO FOSTERING A FAIR AND EQUAL ENVIRONMENT BASED ON TRUST AND MUTUAL RESPECT. WE BELIEVE THAT A DIVERSE AND INCLUSIVE WORKPLACE IS PARAMOUNT TO OUR SUCCESS AND WE ARE COMMITTED TO BUILDING A TEAM THAT REPRESENTS A WIDE VARIETY OF BACKGROUNDS, PERSPECTIVES, AND SKILLS. * THESE BENEFITS MAY BE ADJUSTED AT BITPANDA’S DISCRETION AND DO NOT APPLY TO OUR INTERNSHIPS AND EXCEPTIONS TO OUR HYBRID WORKING POLICY APPLY TO TEAMS WITH SHIFT SCHEDULES OR FOR FOLKS WHOSE ROLES REQUIRE THEM TO BE IN-OFFICE (THINK: WORKPLACES TEAM OR IT).

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join us as a Fraud Agent - Italian Market and be part of the frontline protecting Qonto's Italian customers from financial crime. You'll investigate fraud alerts and coordinate with multiple teams to stop threats before they escalate, working alongside Andrea Camoletto, our Fraud Team Lead Italy. ➡️ What you'll do Detect and investigate fraud cases: Analyze fraud alerts, review account behavior, and examine ID documentation to identify suspicious patterns before they cause damage. Handle transfer treatment: Review and action flagged transactions, applying sharp judgment on every case to protect customers without slowing them down. Be the fraud point of contact across teams: Respond to requests from other Operations teams to help them navigate complex fraud cases in real time. Manage external bank relationships: Communicate with partner banks and, when required, liaise directly with the Italian authorities. Escalate with precision: Identify cases that require Anti-Financial Crime expertise and hand them off with clear, well-documented context. ➡️ What we're looking for Italian fluency: You'll communicate externally with partner banks and police authorities in Italian, fluency in writing and speaking is a hard requirement (at least C1 level). English fluency : Internal communication at Qonto is done in English (at least C1 level is expected). You've worked in fraud or KYC: Whether at a fintech or a traditional bank, you've spent at least 6 months investigating suspicious activity and know what good analysis looks like. You are proactive and share what you know: You flag problems early and proactively share best practices with your team. You bring AI into your workflow: You're curious about AI tools and actively look for ways to use them to work faster and smarter. ➡️ What we can offer you Real ownership from day one: With a tight-knit team of 4, your investigations directly protect Italian businesses using Qonto, your impact is visible and immediate. Room to specialize: The team is young and growing, you'll have real opportunities to develop deep expertise. A growth path to senior: Strong performance in a small team leads to clear progression. ➡️ Your future manager You'll report to Andrea Camoletto, Fraud Team Lead Italy at Qonto. Andrea joined Qonto 5 years ago as a Customer Success Specialist and built their expertise from the ground up, moving through AML Compliance and Senior Fraud Analyst before stepping into the team lead role. He's known for delivering hands-on mentorship and structured feedback, and they'll give you real room to grow. Don't tick every box? Apply anyway!