Anti-Fraud Specialist

PAYBIS Ltd. Latvijas filiāle

Apraksts
Pamatinformācija
Uzņēmums

About the Role

As Anti-Fraud Specialist at Paybis, you will:

Monitor transactions 24/7 — Review real-time transaction streams and system alerts for suspicious activity
Detect fraud patterns — Identify fraudulent transactions, account takeover, refund fraud, mule networks, sanctions violations, and emerging typologies
Investigate and document — Conduct thorough investigations into suspicious activity; prepare professional case documentation
File SARs — Prepare and file high-quality Suspicious Activity Reports with FinCEN (USA), FINTRAC (Canada), and other regulators
Review customer profiles — Assess customer KYC data, conduct ongoing due diligence, identify high-risk customers requiring Enhanced Due Diligence
Support regulatory compliance — Ensure Paybis meets AML/KYC obligations under MiCA, PSD2, BSA/FinCEN, FINTRAC, and EU regulations

You will report to the Anti-Fraud Lead and work closely with our Compliance team. You will be part of a rotating shift team ensuring 24/7 transaction monitoring and investigation capability.

What You'll Be Working On

Transaction Monitoring & Fraud Detection

Monitor transaction monitoring platform alerts: real-time detection of suspicious amounts, geographic red flags, beneficiary patterns, velocity anomalies
Review and triage alerts: distinguish true positives from false positives; escalate high-risk cases for investigation
Identify fraud patterns: account takeover, refund fraud, mule accounts, layering schemes, sanctions violations, trade-based money laundering
Apply Customer Risk Assessment (CRA): evaluate customer risk based on geography, transaction activity, stated purpose
Monitor sanctions screening: flag OFAC, EU, and member state sanctions list matches; escalate for management review
Detect emerging fraud typologies: monitor industry trends, alert team to new fraud vectors, suggest detection rule improvements

Customer Profile & Due Diligence

Review KYC documents: verify identity documents, proof of address, beneficial ownership information
Assess customer risk upon onboarding: geography, product usage, transaction patterns, high-risk indicators
Conduct Ongoing Customer Due Diligence (OCDD): periodic review of existing customer profiles; identify risk level changes
Identify PEP (Politically Exposed Persons): screen customers against PEP databases; flag for management review
Enhanced Due Diligence (EDD): for High Risk customers, conduct deeper investigation into source of funds, beneficial ownership, business purpose

Investigation & Reporting

Investigate suspicious transactions: trace transaction chains, link related accounts, construct fraud narrative
Prepare case documentation: thorough, professional case files with evidence, analysis, and conclusions
Prepare Suspicious Activity Reports (SAR): compile SAR packages (transactions, customer data, analysis, regulatory narrative) for filing with FinCEN, FINTRAC, or local authorities
File SARs accurately and on time: ensure regulatory filings are complete, compliant, and defensible
Report to Anti-Fraud Lead: escalate high-risk cases, patterns, and systemic issues; maintain case closure tracking

Compliance & Collaboration

Follow AML compliance procedures: adhere to Paybis AML/KYC programme and internal policies
Maintain confidentiality: handle sensitive customer and investigation information securely and professionally
Support regulatory requests: respond to information requests from Latvijas Banka, FinCEN, FINTRAC, or other regulators
Collaborate with teams: work with KYC/AML team, Customer Support, Finance on investigation outcomes and customer communication
Continuous learning: stay current with fraud trends, regulatory changes, emerging AML/KYC typologies

What We're Looking For

Must have:

Strong analytical and problem-solving skills — ability to spot patterns, connect evidence, construct logical fraud narratives
Meticulous attention to detail — careful document review, thorough investigation documentation, accuracy in SAR filing
Transaction monitoring and fraud detection — familiarity with transaction monitoring systems, pattern recognition, suspicious activity identification
Case documentation and reporting — ability to write clear, professional investigation reports and SAR filings
Shift work commitment — willing and able to work rotating shifts (07:30, 15:30, 23:30) including weekends and nights
Excellent English — professional-level English for documentation, SAR filing, regulatory communication
Proactive and responsible — takes ownership of investigation quality, follows procedures precisely, identifies emerging risks independently
Stress tolerance — maintains composure handling large alert volumes, complex cases, and tight timelines

Nice to have:

2–3+ years of anti-fraud or AML/compliance experience — transaction monitoring, investigation, SAR filing, or customer due diligence in a regulated financial services environment (bank, payment processor, fintech, or crypto exchange)
Crypto/fintech AML experience — worked at crypto exchange, CASP-licensed company, or fintech fintech with crypto exposure; familiar with blockchain analytics and crypto-native fraud typologies
AML/KYC regulatory knowledge — understanding of AML/CTF frameworks, sanctions screening, KYC verification, SAR/STR filing requirements
Blockchain analytics tools — hands-on experience with Chainalysis, Elliptic, TRM Labs, or Forense Labs for transaction tracing
SAR/STR filing depth — prepared high-quality SARs for FinCEN, FINTRAC, or EU authorities; comfortable with regulatory deadlines and quality standards
Enhanced Due Diligence experience — conducted EDD for high-risk customers; source of funds tracing and beneficial ownership identification
Sanctions screening expertise — OFAC, EU sanctions, member state lists; comfortable with sanctions workflow
AML certification — CAMS (Certified Anti-Money Laundering Specialist) or equivalent; demonstrates professional rigor
Multi-jurisdictional AML — experience across multiple regulatory regimes (EU, US, Canada, Asia); comfortable with different requirements
Trade-based money laundering detection — understands TBML patterns, invoice manipulation, over/underinvoicing
PEP screening and beneficial ownership identification — experience identifying politically exposed persons, ultimate beneficial owners
Regulatory audit participation — participated in AML/compliance audits; comfortable with regulator questions and documentation

What We Offer

On-site with team: Based in Riga; part of a collaborative compliance team; 24/7 shift rotation with teammates
Medical insurance: Health coverage after probation period
Benefits package: Paid lunch in office, free parking
Professional development: On-the-job training, education budget to support professional development
Career growth: Opportunity to develop expertise in fintech/crypto AML; potential to grow to Senior
Meaningful work: Direct impact on fraud prevention and regulatory compliance for a global fintech platform
Company culture: Supportive team environment, corporate events, professional development opportunities
Stable, self-funded company: No investor pressure; focus on sustainable compliance and customer protection

Interview Process

HR interview (45–60 min) — background, shift work availability, AML knowledge, financial services context
Fraud case exercise / test (45–60 min)
Head of Fraud Prevention interview (60 min) — deep dive into prior investigations, regulatory knowledge, SAR filing, transaction monitoring tools, fraud patterns, team fit
Reference check

Stundas likme (bruto)Bruto stundā € 7 - 11

Papildu informācija: Medical insurance, Paid lunch in office, Free parking, Career growth

Atrašanās vieta

Rīga, Latvija
Brīvības iela 171

Darba veids

Pilnas slodzes maiņu darbs

Valodas

Angļu

Kontaktpersona
Kristina Stepanova

Paybis.com is a leading digital & cryptocurrency exchange platform founded in 2014. Our goal is to allow any person around the globe to buy or sell crypto and digital currencies in a quick, easy, and hassle-free fashion. Throughout our existence, we have already grown to a company of 100+ employees and are recognized as one of the most prominent businesses in the crypto industry. Working at Paybis.com gives employees an amazing opportunity to dive into a new and trending fintech industry and learn more about the era of the new financial world. Paybis head office is based in Riga, Latvia and our international team of professionals comprises more than 10 different nationalities. Our workforce consists of highly skilled and talented professionals, bringing their A-game to work every day and reinforcing our core values:

Professionalism in everything we do
Strong result-orientation
Work- life balance

Do you share our passion and want to dive into the trending crypto industry? Learn more about the era of the new financial world? Submit your resume today and join the team.