Fraud and AML Specialist

As a Fraud & AML Specialist, you’ll play a key role in safeguarding our merchant portfolio and payment flows. Your primary focus will be Merchant Fraud Monitoring and ownership of our internal monitoring tool, while also supporting AML alert oversight and identification of unusual client behaviour.

You’ll work hands-on with transaction data, monitoring rules, and early risk signals — helping prevent losses, protect our platform, and support sustainable merchant growth.

Your role at xpate:

• Monitor and manage merchant fraud risks across products, payment methods, and transaction flows.

• Act as the key user and owner of the internal monitoring tool, including configuration, tuning, and optimisation of monitoring rules.

• Detect, assess, and escalate early warning signals related to merchant fraud, including abnormal transaction patterns, behavioural changes, and limit breaches.

• Support AML alert oversight, assisting with identification of unusual or deviating client behaviour and escalation where required.

• Analyse fraud- and AML-related data, trends, and patterns across the merchant portfolio.

• Prepare fraud monitoring insights and basic reporting, including KPIs, KRIs, and dashboards.

• Work closely with Client Managers, Compliance, Risk, and other internal teams to support investigatio