Analyst I, Risk Operations Centre

Company Description

We’re Checkout.com – you might not know our name, but companies like eBay, ASOS, Klarna, Uber Eats, and Sony do. That moment when you check out online? We make it happen.

Checkout.com is where the world checks out. Our global network powers billions of transactions every year, making money move without making a fuss. We spent years perfecting a service most people will never notice. Because when digital payments just work, businesses grow, customers stay, and no one stops to think about why.

With 19 offices spanning six continents, we feel at home everywhere – but London is our HQ. Wherever our people work their magic, they’re fast-moving, performance-obsessed, and driven by being better every day. Ideal. Because a role here isn’t just another job; it’s a career-defining opportunity to build the future of fintech.

Job Description

The Role
As an Analyst I, you will take on a vital frontline role in protecting our customers and business from fraudulent activity. Operating within a 24H/7 shift system, you will be responsible for continuously monitoring suspicious card transaction activities and resolving confirmed fraud cases with urgency and precision. This role demands a high level of vigilance, accountability, and commitment to safeguarding the integrity of our financial ecosystem.

You will report directly to the Risk Monitoring Manager and serve as a point of escalation, providing subject matter expertise in card transaction monitoring. Your ability to remain composed under pressure, make sound decisions in real time, and uphold the highest standards of accuracy and responsiveness will be critical to your success.

In this role, you will proactively investigate customer activity across multiple platforms, identify emerging fraud patterns, and take immediate action to mitigate risks. Your work will involve close collaboration with cross-functional stakeholders including Risk, Compliance, Product, Engineering, and Finance—ensuring a coordinated and effective response to fraud threats.

We are looking for a dedicated and detail-oriented professional who takes pride in protecting customers, upholds a strong sense of responsibility, and is eager to contribute to a high-impact, mission-driven team.

What your responsibilities will be

• Support 24/7/365 transaction analysis efforts as part of a rotating shift schedule, including nights, weekends, and public holidays.

• Ensure the transaction monitoring team meets its objectives and key results, including delivering high-quality investigations.

• Conduct ongoing monitoring of card transactions to identify potential fraud or risk activity.

• Take prompt and appropriate actions to mitigate fraud risk and protect both customers and the business.

• Perform transaction monitoring duties independently, with limited supervision.

• Apply technical knowledge and analytical skills to manage and resolve cases effectively with minimal guidance.

• Respond meticulously to both internal and external queries, demonstrating accuracy and professionalism.

• Demonstrate a strong capacity for self-management and proactively seek opportunities for learning and improvement.

What you will need to be successful (skills and competencies)

• Bachelor’s degree, preferably in Risk / Management / Finance / Business / Mathematics / Economics or equivalent with a minimum of 1 year of experience in similar roles.

• Focused on structured processes, consistently striving for streamlined approach to drive efficiency in acquiring risk monitoring operations

• Skilled at working collaboratively and effectively communicating, positively influencing team members across various departments.

• Capable of adjusting to rapid-paced and agile settings, prepared to operate within demanding timelines and schedules.

• Proficient in English

• Knowledge / experience in the payment processing industry, e-commerce landscape and card schemes’ rule is beneficial.

• Demonstrates acute attention to detail.

Experience you will bring to the role:

• As an Analyst you are expected to monitor transaction activity to mitigate fraud risks on cards issued to our clients and perform relevant analysis and conduct investigations for suspected fraudulent merchants and action on the flags in a timely manner.

• You should possess strong verbal and written communication skills to document and articulate the requirements, analysis and recommendations in a clear and concise manner to the stakeholders and customers.

• You must have a solution-driven approach with exemplary investigative and critical thinking skills.

• You must also be detail-oriented multi-taskers who can work independently with little supervision, at the same time have good decision making, time management and organizational skills.

• Participate in continuous training and stay up to date with evolving fraud trends and prevention techniques.

• Produce timely and accurate insights for the Senior Analyst or Team Lead to support informed decision-making, including escalating complex investigative issues when necessary.

• Provide recommendations to improve investigation quality and optimize current monitoring processes.

• Demonstrate a proficient understanding of both issuing & acquiring risks and maintain an in-depth working knowledge of card schemes’ rules.

• Perform background checks on merchants, leveraging internal tools and external resources to assess merchants’ businesses.

• Identify risky business practices by merchants and present appropriate mitigations while using a risk-based approach.

• Create and communicate reports to relevant stakeholders on any risk concerns regarding merchants.

• Conduct analysis and investigation on any merchant’s suspected fraudulent transactions by using multiple resources.

• Suggest innovative ideas / feedback to enhance the process and infrastructure, striving for continuous improvement in acquiring risk monitoring operations.

Bring all of you to work

We create the conditions for high performers to thrive – through real ownership, fewer blockers, and work that makes a difference from day one.

Here, you’ll move fast, take on meaningful challenges, and be recognized for the impact you deliver. It’s a place where ambition gets met with opportunity – and where your growth is in your hands.

We work as one team, and we back each other to succeed. So whatever your background or identity, if you’re ready to grow and make a difference, you’ll be right at home here.

It’s important we set you up for success and make our process as accessible as possible. So let us know in your application, or tell your recruiter directly, if you need anything to make your experience or working environment more comfortable.

Life at Checkout.com

We understand that work is just one part of your life. Our hybrid working model offers flexibility, with three days per week in the office to support collaboration and connection.

Curious about what it’s like to be part of our team? Visit our Careers Page to learn more about our culture, open roles, and what drives us.

For a closer look at daily life at Checkout.com, follow us on LinkedIn and Instagram