Company Description

Finmo is the next-generation Treasury Operating System (TOS) for global companies built on real-time payments (RTP) rails. Finmo lets you collect money, make payments, manage
cash and liquidity, mitigate financial risks, and comply with financial regulations – all in one place.

Our mission is to simplify payments, automate mission-critical treasury functions, and empower businesses and consumers to transact with the most relevant methods that optimize speed, convenience, and cost.

Finmo is built on the foundation of real-time payments rails and facilitates instant money transfers, accurate cash flow forecasting, optimized liquidity management, effective financial risk mitigation, and seamless compliance with financial regulations – in one place.

By consolidating these essential functions into one category-defining product, Finmo sets a new standard for how financial technology platforms can support your financial stability and ensure continued success beyond mere fund transfers.

Founded in 2021, Finmo Tech is headquartered in Singapore and has offices in Australia, India and further expansion on the horizon. Finmo Tech is venture backed (Global Founders Capital, Addition Ventures) and founded by a team of payment professionals with 2 decades of experience in building global payments infrastructure and companies.

Job Description

The Senior Analyst / Manager, Fraud & Dispute Management will be part of the pioneer Global Risk and Compliance (GRC) team to lead and provide support across the business in relation to fraud, disputes and operational matters. Reporting to the Chief Compliance Officer (CCO), you would have sound knowledge of AML requirements in Financial Services, and industry best practices related to payment frauds, disputes, credit risk, and financial crime investigations.

You will play a pivotal role in monitoring, detecting, and preventing fraudulent activities across the business while efficiently managing payment disputes to ensure a seamless experience for our customers. This role requires a solid understanding of working with merchants, third party payment and banking partners in the Fintech and Payments’ space.

Most importantly, you will be passionate about Compliance, combating Fraud and managing Disputes, with a drive to contribute to and enhance the strong risk and compliance culture and operational excellence across the company.

Key Responsibilities

• Be the pioneer member of the Fraud and Disputes team to conduct thorough investigations of suspicious transactions and fraudulent activities, utilising various fraud detection tools and techniques;
• Review and analyse transaction data, account behaviour, and other relevant information to identify potential fraudulent patterns or anomalies;
• Take appropriate actions to mitigate fraud risks, including placing holds on accounts, managing chargebacks, and escalating cases to relevant stakeholders;
• Manage the end-to-end dispute resolution process, including gathering evidence, communicating with merchants and partners, and submitting dispute claims and outcomes within specified timeframes;
• Collaborate with other cross-functional teams such as Product, Engineering, Compliance, Operations and being the Subject Matter Expert to resolve disputes and fraud-related issues promptly and effectively;
• Generate reports and metrics related to fraud prevention efforts, dispute resolution activities, and key performance indicators (KPIs) for management review;
• Regularly assess and improve Fraud and Dispute processes to enhance efficiency, reduce turnaround time, and ensure a positive experience for both merchants and partners;
• Stay updated on industry trends, emerging fraud threats, and regulatory requirements to enhance fraud prevention strategies and dispute resolution processes.

Qualifications

• Minimum 3-5 years of proven experience in fraud prevention, detection, resolution and disputes management within a financial services/technology firm, financial institutions or credit card schemes;
• Strong analytical skills and attention to detail, with the ability to interpret complex data sets and identify patterns or trends indicative of fraudulent activity;
• Excellent communication and interpersonal skills, with the ability to effectively communicate findings and recommendations to internal and external stakeholders;
• Proficiency in using fraud detection tools, payment processing systems, and dispute management platforms;
• Knowledge of relevant regulatory requirements, such as PCI DSS, GDPR, and consumer protection laws;
• Ability to work independently and collaboratively in a fast-paced environment, prioritising tasks and meeting deadlines effectively;
• Experience in working hands-on with other cross-functional team leaders, such as compliance team, product managers, data analysts, operations analysts in improving fraud and disputes processes and systems;
• Possess a “getting-things-done” mindset and demonstrate a strong work ethic as well as a high degree of integrity
• Methodical and systematic work approach with excellent time management, and possess a continuous improvement mindset.

Preferred Qualifications

• Relevant and relatable experience in Payments / FinTech / Financial Institutions required
• Familiarity with card acquiring / issuing schemes / Payments highly desirable
• Experience and comfortable in establishing relationships with different departments
• Excellent verbal and written communication skills
• Strong project management and execution skills

Additional Information

Benefits

• Competitive compensation package.
• Paid Annual leave along with other statutory leaves.