Senior Anti-Fraud Investigator

You know how to follow the evidence. Where will your fraud investigation experience take you next? If you have experience investigating fraud, assessing suspicious activity and turning complex findings into clear conclusions, bring that expertise to  Put the investigative judgement you have developed within payments / merchant acquiring to work helping protect businesses from fraud. Ready for your next case—and your next career move?

is the first Tech Bank in Europe for businesses, serving 29 countries through itspan-European critical infrastructure for payments & banking services.

’s offering spans across omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions
-including working capital and advance booking financing- alongside fiscalisation services, giving businesses across all verticals access to the tools they need to run their operations efficiently, on a single integrated platform.

pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and local card schemes, local payment systems, and alternative payment methods across Europe. Viva  Limited
-Viva’s UK subsidiary- is an Electronic-money institution licensed by the Financial Conduct Authority (FCA FRN 989273) for the provision of E-money and related services within the United Kingdom?

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The Senior Anti-Fraud Investigator will lead fraud investigations, identify emerging fraud patterns and vulnerabilities, and drive continuous improvements across the organisation's anti-fraud control environment.

Operating within a UK electronic money institution (EMI) and merchant-acquiring environment, the role combines advanced investigative capabilities, payments expertise, analytical skills and AI-driven process automation.

The successful candidate will take ownership of investigations involving merchant activity, transaction patterns, fraud typologies, operational incidents and disputes. They will use data analysis, management information (MI), dashboards and investigative tools to identify suspicious activity, establish root causes and recommend proportionate risk mitigation measures.

A key component of the role will be identifying opportunities to improve investigation efficiency through automation, developing AI-powered investigation tools and bots, and collaborating with Technology, Product and Operations teams to integrate these capabilities into existing processes.

The role will contribute to maintaining an effective anti-fraud monitoring environment, ensuring compliance with card scheme requirements and relevant regulatory obligations, while balancing effective fraud prevention with the commercial needs of a merchant-acquiring business.

• Lead and undertake fraud investigations across merchant acquiring, card payments and associated operational activities.
• Investigate suspicious merchant and transaction activity, identifying potential fraud, emerging threats, unusual behaviours and financial crime indicators.
• Apply knowledge of fraud typologies, card payment flows, merchant acquiring and industry trends to identify and investigate potential vulnerabilities.
• Conduct investigations involving merchant disputes, transaction anomalies, operational incidents and suspected fraudulent activity.
• Undertake CIFAS-related investigations and contribute to appropriate risk assessments and recommendations.
• Perform detailed root cause analysis, using transaction data, system logs, dashboards and other investigative information.
• Identify recurring fraud…