Fraud Operations Analyst

The Kuala Lumpur office is the technology powerhouse of MoneyLion, where innovation, data, and automation drive the future of financial services. We are looking for a Fraud Operations Analyst to join our growing Fraud Operations team and help protect our customers and platform from evolving fraud threats. In this role, you will be responsible for monitoring and investigating potentially fraudulent activity across a range of products and payment channels. You will analyse account behavior, review disputes and chargebacks, investigate fraud patterns, and identify emerging risks that impact the business and customer experience.

Beyond day-to-day investigations, you will work closely with teams across Risk, Data Science, Product, and Customer Care to improve fraud detection capabilities, optimize operational processes, and support the adoption of data-driven and AI-powered solutions. This role is ideal for someone who is curious, analytical, and excited about solving complex problems in a fast-paced environment.

Responsibilities

Review and investigate fraud-related queues, including but not limited to account activity monitoring, payment transactions, account takeovers (ATO), disputes, chargebacks, ACH transactions, debit card activity, and bank reporting requests; Analyze customer behavior and transaction patterns to identify suspicious activity, emerging fraud trends, and potential fraud risks; Conduct thorough investigations into fraud alerts, disputes, and customer claims, gathering and evaluating relevant information to determine appropriate outcomes; Perform detailed verification of customer-provided information and documentation to assess account legitimacy and mitigate fraud risk; Investigate fraud rings, linked accounts, and complex fraud schemes by identifying relationships between accounts, devices, transactions, and behavioral indicators; Collaborate closely with Risk, Data Science, Customer Care, Compliance, and other stakeholders to support fraud prevention initiatives and drive effective case resolution; Leverage internal tools, data analytics, automation, and AI-powered solutions to improve investigation quality, operational efficiency, and fraud detection capabilities; Document investigative findings clearly and accurately while maintaining adherence to internal policies, procedures, regulatory requirements, and service level agreements (SLAs); Ensure productivity, quality assurance, and operational performance standards are consistently achieved; Escalate emerging fraud threats, process gaps, and operational risks to relevant stakeholders and contribute to mitigation strategies; Identify opportunities to improve fraud operations processes, workflows, controls, and tooling through data-driven insights and continuous improvement initiatives; Support testing, implementation, and optimization of new fraud detection strategies, operational processes, and technology solutions; Provide support for additional fraud operations and risk management initiatives as required

Requirements

Bachelor's degree in a quantitative, analytical, business, or related field; equivalent experience considered; Strong analytical and problem-solving skills with the ability to identify patterns, investigate anomalies, and make sound decisions based on available information; Comfortable working with data and technology; Quick learner with the ability to adapt to evolving fraud trends, operational processes, and emerging technologies; Excellent written and verbal communication skills, with the ability to clearly document investigations and communicate findings to stakeholders; Highly detail-oriented with strong organisational and time management skills; Able to work independently, prioritise effectively, and thrive in a fast-paced environment; Results-driven mindset with a focus on operational excellence, customer experience, and continuous improvement

Nice to have

Experience in fraud operations, banking operations, dispute investigations or other financial services functions is preferred; Experience with SQL, Excel, data analysis, automation tools, or AI-powered solutions is a plus; Experience collaborating with cross-functional teams such as Risk, Data Science, Operations, or Customer Care is an advantage

Benefits

Flexible working options; Time off; Competitive pay; Well-being programs