Fraud Analyst

About Fincra

Founded in 2021, Fincra is a payment infrastructure provider on a mission to build the rails for an integrated Africa. We believe in a future that brings hope and liberation to every African, and we are making that vision a reality by providing the essential cross-border payment infrastructure for banks, fintechs, platforms, and global businesses.

Fincra provides a holistic suite of solutions that enables businesses to accept payments securely, make payouts, and access FX and other vital financial services. By bridging the gap between the continent and the global economy, we empower local enterprises to transact with the world and enable global players to operate effortlessly within Africa.

We aren't just moving money; we are building the seamless, secure, and efficient financial ecosystem that connects Africa to the globe and beyond.

Role Overview

This role's purpose is to protect Fincra, its customers, and partners by proactively detecting, investigating, and responding to fraud incidents. The Fraud Analyst will ensure timely handling of fraud complaints, effective transaction monitoring, and early identification of emerging risks enabling business growth while minimizing financial, operational, and regulatory exposure.

What you will be doing everyday

• Fraud Monitoring: Monitor inbound and outbound transactions across value streams using dashboards, alerts, and reports.
• Fraud Complaints Handling: Receive, review, and respond to fraud complaints from merchants, banks, and partners.
• Transaction Review & Analysis: Investigate flagged transactions to determine legitimacy or fraud.
• Escalations & Restrictions: Escalate high-risk cases to the Fraud Manager and support actions such as PNDs, liens, and account restrictions.
• Recovery Support: Support recovery efforts by engaging settlement banks and beneficiary institutions.
• Documentation & Case Management: Maintain clear case records, evidence, and investigation summaries
• Rule Feedback & Improvement: Provide insights to improve fraud rules and monitoring logic.
• Cross-Team Collaboration: Work closely with Compliance, Settlement, Product, Support, and Engineering.
• Card & Global Payments Support: Monitor fraud risks related to card transactions and international flows.

Minimum Requirements

Technical Skills

• Knowledge of fraud typologies (payment fraud, account takeover, mule activity)
• Transaction monitoring and case investigation skills
• Ability to analyze transaction data and patterns
• Familiarity with KYC, AML, and regulatory requirements
• Experience working with dashboards, spreadsheets, and internal tools

Behavioural Competencies

• Strong attention to detail and analytical thinking
• High sense of ownership and accountability
• Ability to work under pressure and meet tight SLAs
• Clear written and verbal communication
• Collaborative mindset and willingness to escalate early

Role Alignment with Company Goals

Strategic Goal(s) Supported:

• Protecting customer and merchant funds across all payment products
• Enabling safe scaling of global payments and card offerings
• Strengthening Fincra’s fraud prevention and response framework
• Supporting regulatory compliance and institutional trust

This role directly supports operational stability, customer trust, and sustainable growth.

Cultural competencies (Company culture that we don’t negotiate with)

• Humility: Embracing a growth mindset, listening actively, and valuing every team member’s contribution, regardless of role or level.
• Honesty: Ensuring transparency in all interactions, communications, and decisions.
• Excellence: Striving for the highest standards in execution, innovation, and service delivery to create meaningful impact.
• Love: Building a culture of empathy, care, and connection that fosters belonging and mutual respect.
• Discipline: Doing what you said you would do, when you said you would do it, at the standard you committed to without being reminded.