Fraud Strategist

We’re Cowry, the digital experiences team within Australian Payments Plus. Given we’re relatively new here, let’s start by introducing ourselves. AP+ is a family of cornerstone businesses you’d know; BPAY, eftpos, NPP, and while you haven't heard of ‘Cowry’ you probably have heard of a little digital wallet with over 1.5M customers called Beem which is just one of the products powered by us.

Our team love to explore new ground and challenge the status quo in the pursuit of fintech excellence. We live at the intersection of next-generation technology and traditional payments infrastructure, launching products from the ground up. Our mission is pretty simple; keep Australian payments open, keep businesses thriving and go beyond money.

We’re adding a Fraud Strategist to our already thriving team. As a Fraud Strategist at Cowry you’ll make meaningful contributions to the function and the team by monitoring and improving fraud risks within Beem It. As a Fintech, that delivers payments in real time the fraud analyst will need to investigate trends through data and update automated rules accordingly to detect and prevent fraud. The Fraud Strategist will also be responsible for investigating fraud incidents, registering them and providing feedback to the business on what happened and how it could be prevented in the future.

The Fraud Strategist is responsible for:

- Analysing data from multiple sources to identify trends and identifying areas the business is open to fraud
- Developing fraud reduction strategies for the business
- Updating system rulesets to prevent and limit fraud losses
- Providing reporting on fraud activity and prevention
- Investigating fraud and chargebacks, providing resolutions, responses and reduction plans
- Educating staff on fraud and associated behaviors.
- Assisting in the development of chargeback and fraud strategies for the business
- Working with the wider business where needed to shape the future of the app

**Skills & Experience & Qualifications**
In this role, you will have a demonstrated ability in the following:

- A proven track record in fraud prevention and detection in a financial services environment
- Skills and knowledge associated with internet and e-commerce transactions
- Accurate statistical, data analysis and reporting skills using your eye for detail to identify anomalies/issues in financial and transactional data, patterns and trends
- An inquiring mindset to probe, ask questions, investigate and move through the process to resolution
- Experience with fraud detection technology including Accertify
- Strong understanding of financial crime methodologies
- Ability to speak up and work well with others
- Ability to work independently with agility and make judgment calls in a fast-paced environment
- Passionate about technology and start-up business environments
- Education/Experience in Financial Services/Law Enforcement
- Additional experience in AML/CTF preferred

We strive to create an environment where every member of the team feels empowered to make a decision for the benefit of our customers.

At Cowry, a growth mindset is fundamental to success. We are obsessed with data. It’s how we learn, ask better questions and improve. It allows us to take small bets, learn quickly (often by failing) and dust ourselves off. We believe that to fully embrace experimentation and failure as part of learning, it requires a culture where everyone feels safe enough to push beyond their own fears.

You’ll thrive in Cowry if:

- You have an agile, entrepreneurial mindset & thrive in an environment where you can reimagine your contribution each and every day
- The idea of working in a “start-up-esq” environment excites you (but you also sleep well at night knowing your job is secure)
- You love to test the boundaries of your abilities and champion your colleagues to do the same
- Your job title is just a point of reference for your LinkedIn profile, it doesn’t define who you really are
- You’re curious at heart, always asking questions and looking for ways to improve

Cowry may not be the place for you if:

- You thrive when working in a hierarchical “clunky” environment
- Your job title means the world to you and defines who you are
- You love to work in pre-defined silo’s
- To you, team & company culture is two dimensional

**What Next?**
For us, it’s more important that you are a genuinely decent human, as we believe people can pick up any skill with the right support & mindset.

We consciously and intentionally hire from diverse professional and personal backgrounds. We work hard to build a wonderfully diverse team of individuals, measured not by numbers but by contribution and diversity of thinking.
- If we like your vibe, you’ll get a call from our Talent rep to make sure we’re on the same page about salary and role expectations
- Once we get the admin out of the way, you’ll get a time booked in to meet the hiring manager so the