Fraud Investigator

2 months ago

Melbourne, Australia Worldline Full time

ANZ Worldline Payment Solutions is a joint venture between ANZ Banking Group and Europe’s leading payment technology company, Worldline.

We launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 52,000 Australian businesses. Since then we’ve built a new modern technology platform to enable an exciting roadmap of products and solutions that we began launching in Australia in 2023 and continues to develop.

**What’s it like to work with us?** We bring together the spirit of a fintech with the heritage of a big four bank. And while our expertise, products and services make us a leader in payments, our people, purpose, values and culture are the core of our organisation. As an equal opportunity employer, we know our success comes from new insights, diverse points of view and the energy of every member of our 300 strong team.

It’s an exciting time to be part of our growing team. Find out more about ANZ Worldline Payment Solutions here.

**The Opportunity**

The Fraud Investigator plays a critical role within the Fraud Operations team, dedicated to safeguarding our business and customers from fraudulent activities while supporting sustainable business growth. This team is also responsible for ensuring compliance with Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations, particularly in monitoring and reporting suspicious transactions to AUSTRAC. In this role, you will be tasked with investigating alerts and suspicious behaviors to determine whether fraud has occurred or if the activity requires reporting in accordance with AUSTRAC guidelines.

**Key Responsibilities**
- Review allocated cases on daily basis and manage case closures in order to maintain operations and ensure their completion within the agreed standards and turnaround times.
- Identify, investigate, assess and report on fraud and AML/CTF compliance matters making sure that it complies with Worldline ‘Merchant Underwriting Policies’ and Procedures.
- Perform merchant acquiring fraud / compliance control and monitoring activities ensuring that fraud losses are minimised, fraud risks are controlled on a proactive basis, whilst complying with internal policies and procedures as well as rules regulations of payment schemes and regulators.
- Perform regular behavior monitoring of merchants in high-risk sectors.
- Conduct regular review / analysis on merchant fraud patterns and make rule change recommendations to the Merchant Fraud Analyst, in order to improve the fraud detection and prevention rate.
- Ensure that all data requirements are captured accurately and timely into the “Fraud” data base /case register to enable further statistical and analytical use.
- Provide input in to / prepare periodic reports on merchant fraud performance and other metrics to support various business and risk stakeholders in their decision making.
- Providing fraud support to various business units - Underwriting, AML / Compliance, Product, etc.
- Conduct regular on/off site awareness and training sessions for merchants on financial risks with regards to fraud, to minimize fraudulent activities at their premises/website.
- Conduct merchant specific reviews, advise and support key account merchants to minimize their fraud rates and maximize their genuine transactions.
- Liaise with law enforcement authorities, regulators and payment schemes for all matters relating to merchant fraud and investigations to ensure that where appropriate legal action is instituted; making sure that Worldline participates in industry and card scheme fraud prevention initiatives.
- Adhere to all relevant organizational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders.
- Investigating and responding to credit card charges disputed by the account holder, tracking chargebacks and investigating suspicious / fraudulent activity
- Assisting with streamlining and improving of chargeback procedures

**Signs of success**
- You proactively identify new fraud trends and participate in developing appropriate fraud mitigation strategies
- You implement, adapt, and maintain a unified fraud risk process / policy within your own team
- You ensure minimum fraud and chargeback losses by continuous improvement of the fraud management system

**Skills we can’t do without**:

- You have 3+ years of experience in acquiring fraud prevention environment
- You have a very good understanding of acquirer risks and obligations (fraud risk, compliance risk, chargeback risk, scheme rules, etc.)
- You are fluent in English both spoken and written
- You are able to potentially work flexible hours and public holidays to cover the global communication with other Worldline entities
- You are a good communicator and able to coordinate with internal and

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