Payments Fraud Investigator

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world's largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The mission of Fraud Operations is to act as guardians of the global financial ecosystem by proactively reducing fraud, making it difficult and unprofitable for fraudsters to carry out attacks through Stripe. Fraud Ops is responsible for developing and maintaining scalable processes related to fraud analysis, card testing, account takeover, and financial partner investigation requests. We strive to improve manual fraud decisioning and enhance support experiences for users impacted by fraud decisions, all while enabling healthy growth for the business. WHAT YOU'LL DO As a Payments Fraud Investigator, you'll play a critical role in safeguarding our financial ecosystem by investigating high-risk accounts and identifying various forms of fraud. You'll conduct deep-dive analyses of merchant accounts, lead cross-functional projects, and collaborate with stakeholders to enhance our fraud detection and prevention strategies at scale. Your expertise in fraud patterns and typologies is essential in developing and enhancing investigative processes and programs. RESPONSIBILITIES * Analyze high-risk accounts to identify fraudulent merchants, card testing, account takeovers, and other fraud vectors * Lead root cause analyses to identify gaps in current systems, policies, and strategies, and determine enhancements and process improvements to address emerging fraud risks through collaboration with key stakeholders * Drive cross-functional projects aimed at refining operational processes and tools, enhancing the detection and management of fraudulent accounts across our global analyst network * Investigate, mitigate, and remediate urgent fraud incidents, such as card testing and account takeover, and manage user responses to high-urgency distributed fraud attacks * Communicate regular updates during team and organization-wide business reviews, summarize outcomes of complex investigations for executives, and deliver clear case determinations to users and partner financial institutions * Travel to vendor locations to conduct analyst training sessions and knowledge-sharing initiatives, while identifying challenges and enhancing analyst performance to improve overall outcomes WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 3+ years of experience conducting complex investigations * 1+ years of experience leading risk-related projects and initiatives, collaborating effectively with cross-functional stakeholders * Demonstrated ability to leverage data to propose solutions for both tactical and strategic challenges * Proactive approach to challenging the status quo, with a willingness to question existing processes and advocate for improvements * User-centric perspective when addressing challenges, balanced with a pragmatic and solutions-oriented mindset * Ability to travel to vendor locations for up to 10% of the year PREFERRED QUALIFICATIONS * Experience in payments, e-commerce, social media, or fintech, mitigating digital or card-not-present fraud * Experience investigating and mitigating card testing and account takeover attacks * Experience designing fraud and risk workflows, analyst tooling, and processes and procedural workflows * Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

About us GoCardless is a global bank payment company. Over 100,000 businesses, from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking.  GoCardless processes US$130bn+ of payments annually, across 30+ countries; helping customers collect and send both recurring and one-off payments, without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks, we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds, and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you! We’re committed to making our hiring process inclusive and accessible. If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help!  And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! THE ROLE The Fraud Risk Management team ensures that GoCardless adopts, implements and maintains innovative and appropriate controls as we have a duty to banking partners, regulators, schemes, merchants and their customers to review and monitor accounts and transactions with the utmost care. As a Fraud Investigator you’ll be working as part of a small, close-knit team, conducting fraud investigations, with the aim of protecting GoCardless from fraud, financial and reputational risk.  On a daily basis you will: * Monitor the risk alert queue and identify high risk behaviour within the business portfolio  * Conduct fraud investigations within service level agreements to reduce potential revenue losses  * Attain a thorough understanding of GoCardless’ product, policies and processes  WHAT EXCITES YOU  * The opportunity to work in a high performing team and make important daily decisions that can make an impact on GoCardless’s future success * Having the opportunity to learn more about data and how to use it to make informative decisions across the business * Working in a global fraud team where you can share experiences and learn from other team members who come from a variety of industries  WHAT EXCITES US   * You have some experience in a fraud investigations role or similar and are looking for your next challenge * You use logic and reasoning to separate legitimate behaviour from suspected illicit activity * You understand the implications of new information for both current and future problem-solving and decision-making * You use your written English skills to strike the right tone with internal and external stakeholders. * You’re driven by initiative, and understand the impact of every decision you make on our merchants * Results-focused: You can prioritise, organise, and show initiative and willing to get the job done  We don’t expect you to meet every requirement. If you’re excited by this role, we encourage you to apply. Base salary range: €1,600 - €2,400 (gross). Base salary ranges are based on role, job level, location, and market data.  Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (€1,600 - €2,000) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (SOME OF) THE GOOD STUFF * Wellbeing - stay healthy with dedicated support and medical cover * Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period * Adaptive Working - allows you to work flexibly, around your lifestyle * Equity - all permanently employed GCs get equity to help you make a valuable contribution * Parental leave - to suit everyone embarking on life's great adventure * Learning Budget - lead your own development with an annual learning budget * Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) LIFE AT GOCARDLESS   We're an organisation defined by our values; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity, always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work.  DIVERSITY & INCLUSION As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25%  Neurodiverse — 9%  LGBTQIA+ — 9%  Disabled — 1%  Average age — 33 Female — 45% Male —  55%  We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter, Instagram and LinkedIn.