Merchant Fraud Investigator

Job Description

Merchant Fraud Investigator

This is ANZ Worldline Payment Solutions

ANZ Worldline Payment Solutions is a joint venture between one of Europe's leading payment technology companies, Worldline, and ANZ Banking Group.

We launched in Australia in early 2022, providing in-store and ecommerce payment solutions to around 60,000 Australian businesses. Since then, we've built a new modern technology platform to enable us to bring an exciting roadmap of products and solutions to our customers, as payments technology and consumer preferences evolve.

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 growing team.

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

The Opportunity

Join our dynamic team as a Merchant Fraud Investigator and play a crucial role in protecting our business and customers from fraudulent activities. You'll have the chance to utilize your analytical skills to identify suspicious transactions, prevent financial losses, and contribute to maintaining a secure and trustworthy marketplace. This is an exciting opportunity to work in a fast-paced environment, collaborate with cross-functional teams, and make a tangible impact in combating fraud.

Your day-to-day responsibilities include:

• 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

What we are looking for

• 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 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 external stakeholders
• You hold a University Degree in related discipline
• Previous experience with an acquirer or a payment service provider is a strong plus
• Previous experience in fraud risk management is a plus
  Knowledge of SQL or Python is a plus

Benefits

At ANZ Worldline Payment Solutions, we work in a flexible environment that empowers you to learn, grow and accelerate your career. You'll have access a great mix of benefits, including:

• A range of health and wellbeing discounts for gym, nutrition, sporting gear providers.

• Learning and development opportunities to build your skills.

• Additional leave options to support families, work in the community or take a career break. You'll also earn loyalty leave for your tenure.

• Regular opportunities to connect socially as a team.
• Volunteering leave to support Corporate Social Responsibility activities.
  Plus other perks and benefits (e.g. novated leasing options).

We have modern offices and services to support our people including a parent's room, prayer room, and end of trip facilities. We also provide employee assistance services including counselling, to support managers, employees and their families.

Shape the evolution

We are on an exciting journey towards the next frontiers of payments technology, and we look for problem solvers, people with passion, a can-do attitude and a hunger to learn and grow. Here you'll work with colleagues from around the world and take on unique challenges as a team, to support businesses right across Australia. With an empowering culture, strong technology and training opportunities, we help you accelerate your career - wherever you decide to go. Join our global team of 18,000 innovators to shape the payments evolution.

Learn more here about working at ANZ Worldline Payment Solutions.

Request ID: 300907

Posting Start Date: 7/31/25

Job Area: Customer Services

Work Site: Hybrid

Contract Type: Permanent

Brand: ANZ Worldline

Job Location: Australia - Melbourne