Analyst - Fraud Operations (AML & KYC)

As an Analyst - Fraud Operations Analyst, you will be responsible for reviewing and analyzing customer applications to support accurate fraud decisioning. The role involves conducting KYC/KYB verification, fraud analysis, and customer due diligence while ensuring adherence to established procedures and compliance standards. You will identify fraud trends, provide strategic feedback to strengthen fraud controls, and deliver timely, high-quality decisions that balance fraud prevention with a seamless customer experience. As an Analyst - Fraud Operations Analyst, you will be responsible for reviewing and analyzing customer applications to support accurate fraud decisioning. The role involves conducting KYC/KYB verification, fraud analysis, and customer due diligence while ensuring adherence to established procedures and compliance standards. You will identify fraud trends, provide strategic feedback to strengthen fraud controls, and deliver timely, high-quality decisions that balance fraud prevention with a seamless customer experience. Key Responsibilities: Utilize and follow defined standard operating procedures alongside internal credit tooling and systems to ensure minimum approval criteria is met. Perform KYC (Know Your Customer) and KYB (Know Your Business) verification to validate applicant identity, business legitimacy, and supporting documentation. Conduct fraud analysis by reviewing customer applications, behavioral patterns, and supporting information to identify suspicious activity and potential fraud risks. Action daily applications pended into the fraud queue. Review case information thoroughly and decision applications from a fraud approval/decline perspective as per procedures. Drive improved performance on established Fraud KPI's to reduce fraud loss while improving experience for genuine applicants. Provide feedback regarding active fraud trends and observations from reviewed cases, creating a strong feedback loop to enhance fraud strategy and identify emerging threats. Manage multiple tasks effectively by balancing productivity, urgency, and delivering quality decisions on reviewed cases. Collaborate with internal teams to verify outstanding documents or information required to facilitate approval and ensure an efficient process. What we are looking for: 3+ years of experience in Credit and Fraud Operations, with exposure to new credit product applications, fraud decisioning, and risk assessment. Strong knowledge of fraud management, detection and prevention, including experience with fraud detection, identity verification, and risk assessment tools. Strong analytical, problem-solving, and decision-making skills, with the ability to identify fraud indicators, assess risk, and make accurate decisions. Educational Qualifications: Bachelor’s degree in Finance, Accounting, Business Administration, Economics, Risk Management, or a related field. Additional certifications or coursework in Fraud Management, Risk Management, Credit, Financial Crime, or Banking would be an advantage.