Fraud Manager (EMI)

COMPANY OVERVIEW:

XOALA is a Neobank and multi-regulated EMI and leader in Payment Solutions with global offices including Cyprus, UK, Sweden, India, and Dubai. It provides its customers multi-currency payment accounts, cards and acquiring products in an all-in-one platform that allows you to handle international transactions, manage accounts in multiple currencies, and process payments securely- no matter where in the world you do business!

JOB OVERVIEW:

We are seeking a detail-oriented and experienced Fraud Manager with previous experience in Acquiring to join our growing fraud operations team. In this role, you will assist in monitoring transactions, identifying suspicious activity, and supporting investigations to help prevent fraudulent behaviour. This is an excellent opportunity for someone early in their career who is eager to develop their fraud detection and risk analysis skills in a fast-paced, collaborative environment.

JOB DESCRIPTION:

• Monitor daily transaction activity through internal fraud systems and flag anomalies or suspicious behaviour.
• Support the onboarding process by performing basic fraud checks on new users or merchants.
• Escalate high-risk cases to the Fraud Manager for further action.
• Support the review of new merchant applications with basic fraud and risk checks.
• Respond to internal fraud-related queries from the customer service and onboarding teams.
• Document findings and outcomes of investigations in a clear and accurate manner.
• Help maintain and update fraud detection rules under supervision.
• Participate in fraud trend analysis and contribute to discussions on emerging fraud patterns.
• Collaborate with Risk/Compliance/Customer Support teams when needed to ensure investigations are aligned with AML and regulatory obligations.
• Follow all internal policies and procedures related to fraud prevention and investigation.
• Perform other duties as assigned by the Fraud Manager or Management.

PERSON SPECIFICATION:

• 2-5 years’ hands-on experience as a Fraud Analyst/ Fraud Manager, within an EMI/ Payments/ Fintech industry is a must.
• Strong analytical, investigation and attention to detail skills.
• Good knowledge of fraud prevention systems and tools will be considered a plus.
• Good written and verbal communication skills.
• Ability to work in effectively both independently and as part of a team.
• Business fluency in English language. Fluency in Swedish language will be considered a plus.
• University Degree in Economics/ Business/ Finance or a related degree

WHAT WE OFFER:

🚀Competitive Remuneration Package, including discretionary annual performance-based bonuses

🚀Work-Life Balance; flexible working hours and hybrid model (2-3 days remote work)

🚀Pension Plan

🚀Healthcare allowance

🚀Birthday day off

🚀Dynamic career growth in an innovative and fast-growing Global company.