Fraud Analyst

Job Title: Fraud Analyst – Payments (24/7 Operations)Location: Abu Dhabi - United Arab EmiratesDepartment: Risk and Fraud Monitoring Role OverviewThe Fraud Analyst will be responsible for real-time/near real-time monitoring, analysis, and investigation of transaction activity across card payment channels to detect, prevent, and mitigate fraudulent activity. The role requires working in rotating 24/7 shifts to provide continuous fraud surveillance and support to issuers, acquirers and internal teams. Key ResponsibilitiesMonitor transaction activity across card and digital payment systems using fraud detection tools and rule-based engines.Perform detailed investigations of suspicious transactions, chargebacks, alerts, and customer disputes to identify potential fraud trends or systemic risks.Apply knowledge of card schemes (Visa, Mastercard, JCB, etc.) and acquirer/issuer processes to assess fraud exposure and recommend preventive measures.Escalate confirmed or high-risk cases to the Fraud & Risk Manager and coordinate card blocking, merchant suspension, or transaction reversal where necessary.Support incident management, including data collection, case documentation, and reporting for compliance and regulatory purposes.Contribute to fine-tuning fraud detection parameters, risk rules, and model calibration based on evolving fraud typologies.Participate in fraud systems UAT, fraud trend analysis, reporting, and intelligence sharing with other risk units.Maintain adherence to internal SLAs and card scheme response timeframes for alerts, disputes, and chargeback submissions.Operate under a structured 24/7 rotational shift schedule covering weekends and public holidays. There may be a requirement for night shifts predominantly. Qualifications and ExperienceBachelor’s degree.2–5 years of experience in card payments fraud detection, transaction monitoring, or related risk operations.Strong understanding of card transaction flows (issuance, acquiring, authorisation, clearing, and settlement).Familiarity with fraud management tools and systems (e.g., Falcon, Actimize, Ethoca, Visa Risk Manager).Background in chargeback handling and card scheme dispute management preferred.Analytical mindset with strong attention to detail and ability to work well under time pressure.Proficiency in MS Excel and basic data analysis/reporting. Core CompetenciesAnalytical thinking and investigative skills.Decision-making and problem-solving in time-critical situations.Excellent communication, both written and verbal.Team collaboration and adaptability in rotational shifts.Integrity, confidentiality, and strong ethical standards.