Payments Fraud Investigator

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world's largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Risk Operations team is looking for an experienced fraud analyst to join an industry-leading global fraud operations team. This position is responsible for writing and maintaining fraud rulesets to prevent transaction fraud, conducting data analysis to identify and mitigate fraud attacks, while minimizing impact to users, and working collaboratively with fraud, operations, and product stakeholders to proactively implement fraud strategies and controls. They should have a deep understanding of fraud patterns and typologies, advanced SQL proficiency, strong analytical abilities, and experience writing and managing fraud rulesets. WHAT YOU'LL DO Did you know that only around 4% of the world's GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity, and global prosperity. While the promise of a global online economy is palpable, it doesn't come without significant risk. Each day, bad actors disrupt the trust and safety of the internet and increase the barrier of entry for online businesses. Before we can fully realize the potential of a global internet economy, we must first address the burgeoning problem of fraud. We are looking for someone passionate about fighting fraud, identifying new trends and typologies, conducting complex data analysis, and working collaboratively with peers and partners in the fraud space. This position works closely with cross-functional stakeholders across product, engineering, data science, and operations to identify and mitigate risk from complex, distributed transaction fraud attacks. The right candidate for this role will have a minimum of five years' experience conducting advanced data analysis using SQL, preferably within the fraud space across e-commerce, payments, or cryptocurrency. Candidates should have experience writing, maintaining, and analyzing complex fraud rulesets and demonstrated success minimizing fraud losses along with impacts to users. Candidates should also have experience working closely with product teams to implement risk controls and demonstrate a deep understanding of fraud typologies, controls, and ability to mitigate fraud risk. RESPONSIBILITIES * Build and maintain fraud rulesets to prevent transaction-level fraud losses, including ongoing monitoring and measurements of precision and recall * Conduct advanced data analysis of structured and unstructured data sets to proactively identify emerging fraud attacks impacting Stripe and its users * Collaborate closely with product, risk, and operations teams to proactively identify and mitigate fraud exposure * Investigate, conduct root cause analysis, and deploy remediations to prevent future complex and distributed fraud attacks * Investigate and take action against anomalous clusters of transactions based on account activity, processing volume, or other risk indicators while minimizing negative impacts to Stripe users * Respond to incidents involving complex fraud schemes to quickly mitigate exposure to Stripe, its users, and financial partners * Utilize analytics to identify and implement initiatives to automate manual processes and workload across the organization * Create visualizations, dashboards, and queries to drive visibility and oversight into impact, performance, loss risks, and user experience * Utilize Stripe tools and systems to enable systematic actioning of fraudulent merchants, maintaining an extremely high level of accuracy to prevent negative user experience WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * A minimum of five years of experience conducting advanced data analysis and managing transaction fraud rulesets * Advanced-level proficiency in SQL * Experience working closely with modeling, data science, and intelligence stakeholders to implement automatic and scaled controls and processes * Experience creating data visualizations and dashboards and presenting findings to technical and non-technical audiences, including senior leadership * The ability to drive execution on projects working in a heavily cross-functional environment * Creativity, a team-focused mentality, and effective problem-solving skills * The ability and desire to question the status quo * The ability to approach challenges from a user perspective while being pragmatic and solutions-oriented PREFERRED QUALIFICATIONS * Fraud experience in payments, e-commerce, fintechs, or cryptocurrency mitigating digital and card-not-present fraud * Experience investigating and mitigating card testing and account takeover attacks * Proficiency in Splunk, Python, Tableau, or other data visualization tools * Undergraduate or advanced degree in analytics, data science, or statistics * Experience with clustering, classification, and link analysis * Experience working in fast-paced and rapidly changing environments * Experience designing and implementing product-level fraud and risk controls

Moniepoint

Who we are Moniepoint is an all-in-one financial services platform for emerging markets and the second-fastest growing company in Africa.  Since 2019, Moniepoint’s technology has powered over 3 million people, offering personal and business banking, payment, credit and business management tools to help them succeed. Moniepoint processed $182 billion in 2023 and currently processes the majority of the POS transactions in Nigeria. Curious about what makes Moniepoint an incredible place to work? Check out posts on how we cultivate a culture of innovation, teamwork, and growth. What you will get to do * Investigate fraud attacks, quantify their impact, and present clear findings that drive prioritisation and response * Propose and refine rule-based mitigations, working with fraud operations and engineering to see them through to implementation * Build and maintain reporting and dashboards to monitor fraud trends, rule performance, and key operational metrics * Work closely with fraud operations, data scientists, engineers, and product managers to ensure analytical insights translate into action * Proactively identify emerging patterns and flag risks before they escalate To succeed in this role, you should have * Proven experience as a Data Analyst (Fraud),  or a similar role (4+ years, can be made up for with accomplishments) * Strong problem solving skills * Advanced proficiency with SQL. you're comfortable writing complex queries to investigate and slice data across large datasets * Experience in fraud, risk, or financial services; you understand how fraud attacks work and how to think about mitigation trade-offs * A proactive mindset — you don't wait to be asked; you spot something unusual and you dig in * Some exposure to Python or scripting for data manipulation and analysis * Proficiency with a BI tool (PowerBI, Looker, Tableau, Superset, Redash, or any other alternative) * Strong stakeholder management skills; you can communicate findings clearly to fraud operations, product managers, engineers, and senior leadership — and you know how to influence decisions with data across all of them. * Comfort working in fast-paced, cross-functional teams where priorities shift quickly. * Proficiency with a spreadsheet tool (Microsoft Excel or Google Sheets, or any other alternative) * Enjoy autonomy and a flat structure: we have millions of customers and a flat hierarchy so any individual can have an outsized impact * Excellent written and verbal communication skills * A drive to learn and master new technologies and techniques * A bachelor’s degree in Computer Science, Statistics, Mathematics, Engineering, or any other related field Experience with the following would be a plus * Data governance * Python or any other scripting language * Git or any other version control tool What we can offer you * Culture - We put our people first and prioritise the well-being of every team member. We have built a company where all opinions carry weight and where all voices are heard. We value and respect each other and always look out for one another. Above all, we are human. * Learning - We have a learning and development-focused environment with an emphasis on knowledge sharing, training, and regular internal technical talks. * Compensation - You’ll receive an attractive salary, pension, health insurance, annual bonus, plus other benefits. What to expect in the hiring process * A preliminary phone call with the recruiter. * Technical take-home task (SQL test). * Technical Interview with hiring manager. * A behavioural interview with the Head of Data Analytics/Science and Fraud Team. Moniepoint is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees and candidates.

Moniepoint

Who we are Moniepoint Inc. is Africa’s all-in-one financial platform, helping 20 million businesses and individuals access seamless payments, banking, credit, cross-border, and business management tools each month.  As Nigeria’s largest merchant acquirer, we power most of the country’s point-of-sale (POS) transactions. Through our subsidiaries, Moniepoint Inc. processes over $250 billion in digital payment transaction value annually. JOB PURPOSE The Lead, People Business Partnership acts as a strategic connector between enterprise people strategy and business execution. This role partners with senior business leaders to design and implement people initiatives that strengthen performance, engagement, and organizational capability. Working closely with COEs and the broader People leadership team, the Lead ensures that workforce plans, leadership effectiveness, and change programs are delivered with consistency, insight, and measurable business impact. KEY RESPONSIBILITIES * Partner with business leaders to operationalize people plans, ensuring alignment with organizational goals and talent priorities. * Manage day-to-day employee lifecycle matters in partnership with People Operations and Employee Relations. * Coach line managers on performance management, feedback, and team engagement. * Analyze people metrics (attrition, engagement, performance) to identify local trends and propose solutions. * Support organizational design, workforce planning, and change initiatives. * Collaborate with COEs (Talent Management, Total Rewards, Learning, ER) to deliver enterprise programs into business units. * Act as a culture champion, driving inclusion and accountability through daily interactions. QUALIFICATIONS * 5–7 years HR experience, including 3+ years in HRBP or advisory role. * Proven capability managing multiple business units or teams. * Sound understanding of HR processes and labor regulations. * Analytical mindset with ability to interpret data trends. PREFERRED QUALIFICATIONS * Experience in fintech, banking, or digital environments. * Exposure to organization-wide HR transformation or scaling initiatives. About You * You’re a strategic operator who balances business acumen with people insight. * You see patterns in data, behaviors, and structure — and use them to shape decisions that build capability and performance at scale. * You’re confident in influencing senior leaders, framing complex people issues in business terms, and driving clarity where ambiguity exists. * You’re a coach and connector — developing PBPs to think critically, partner strategically, and deliver with empathy and precision. * You collaborate fluidly across COEs, ensuring that enterprise initiatives translate into meaningful impact on the ground. * You’re known for your sound judgment, calm under pressure, and ability to hold leaders accountable while strengthening trust. * Above all, you elevate the people function — turning strategy into measurable outcomes that advance both culture and commercial success. WHAT SUCCESS LOOKS LIKE  * You are recognized as a strategic partner on the senior leadership team for your assigned business units, shaping the long-term organizational and talent strategy. * You have designed and implemented business unit-specific people strategies that demonstrably contribute to achieving core business objectives (e.g., market expansion, product innovation, operational efficiency). * Your influence extends to shaping company-wide HR policy and program design, providing crucial business context and feedback to Centers of Excellence (COEs). * You have successfully led the end-to-end deployment of multiple COE-led strategic initiatives across your business units, ensuring high-quality execution, sustained adoption, and demonstrable positive impact on key people metrics. * You have a high-performing People Business Partner (PBP) team or support staff that you mentor, develop, and delegate effectively to, ensuring consistent, high-quality HR support for the business. * Your proactive people risk mitigation and strategic workforce planning result in a highly stable, engaged, and optimally structured talent base that is ahead of the curve in meeting future business needs.