Transaction & Fraud Monitoring Specialist

About Us

Hello Clever is building the next generation of payments and loyalty infrastructure by turning every transaction into growth for merchants.

We’re an AI-powered fintech operating across 22+ markets, helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates, bigger baskets, and smarter customer engagement. Our platform combines local account-to-account rails, embedded cashback & loyalty products, and powerful data intelligence (Clever AI) so merchants can launch offers, optimise ROI, and scale faster - all through a single integration.

We’re also proud to be recognised on the global stage including being named Australia’s fastest-growing fintech, Top 100 Forbes Asia, ranked in the AFR Fastest-Growing Companies, and selected for Inc. Magazine’s Best in Business alongside some of the most iconic companies in the world.

About The Role

We’re looking for an experienced Fraud & Payments Risk Specialist to help build and strengthen Hello Clever’s fraud and payments risk capability as we continue to scale globally. This is a highly hands-on role where you’ll work across fraud detection, transaction monitoring, investigations and risk controls, using data to identify emerging fraud patterns and continuously improve how we protect our customers, merchants and platform.

You’ll work closely with Product, Engineering, Data, Operations and Compliance to develop and optimise fraud rules, monitoring capabilities, dashboards and controls across the customer and transaction lifecycle. You’ll also investigate complex fraud cases, analyse trends and root causes, and turn what you’re seeing in the data into practical improvements to our products, processes and controls. We’re looking for someone who brings strong fraud and payments expertise together with a genuinely analytical mindset - someone who is comfortable getting into SQL and the data themselves, solving complex problems and helping us build a scalable fraud risk capability for a fast-growing global fintech.

Key Responsibilities

• Own and oversee Hello Clever’s end-to-end fraud and payments risk strategy, risk appetite, transaction monitoring, and policy framework across the customer lifecycle, including onboarding, transactions, account takeover, chargebacks, and disputes, ensuring alignment with enterprise risk objectives, regulatory obligations, and industry best practice.
• Analyse platform and product data to identify emerging fraud patterns, conduct horizon scanning and thematic reviews, and translate insights into actionable control enhancements that strengthen resilience against evolving threats.
• Lead the development and continuous enhancement of fraud detection rules, models, dashboards, and analytics capabilities, partnering with data, technology, and business teams to deliver effective, data-driven monitoring and detection.
• Lead day-to-day fraud operations across onboarding reviews, transaction monitoring, investigation escalations, chargeback-related fraud management, and dispute resolution, ensuring timely, accurate, and well-controlled case outcomes.
• Oversee fraud governance, documentation, and control assurance, including audit-ready investigation records, fraud-rule review documentation, incident root-cause analysis, control gap identification, and timely remediation to reduce fraud losses and prevent recurrence.
• Design, build, and continuously optimise fraud detection rules, models, decisioning logic, dashboards, and reporting frameworks, establishing the fraud/risk operating model and KPIs from the ground up.
• Lead complex fraud investigations, post-incident reviews, and cross-functional delivery of risk controls with product, data, and engineering teams, while managing fraud loss budgets and balancing loss prevention against customer experience.

Required Qualifications

• 5-7 years in fraud and risk within payments, fintech, banking, or marketplace/e-commerce.
• Strong expertise in fraud and risk management, including data analysis, root-cause analysis, control assessment, and process improvement to identify risks and strengthen operational effectiveness.
• Proven experience analysing large datasets, building dashboards and visualisations, and using insights to support fraud detection, monitoring, and decision-making.
• Strong proficiency in SQL, with the ability to independently source, query, analyse, and interpret data to support investigations, reporting, and risk-control enhancements.
• Experience partnering closely with engineering, data, and product teams to develop, enhance, and deploy investigative tools, fraud treatments, and risk controls.
• Bachelor’s degree or higher in a relevant field; advanced degree, professional certification, or specialised fraud/risk qualification is advantageous.
• High proficiency in written and spoken English is essential, with the ability to communicate complex fraud and risk matters clearly to cross-functional stakeholders.

Preferred / Nice-to-have

• Payments fraud experience (cards, ACH, wallet, real-time payments) and ATO/scam mitigation.
• CFE or equivalent certification.
• Experience with fraud platforms and ML-based detection.

Why join Hello Clever?

• High-Growth Fintech - Be part of a company leading the future of real-time payments and loyalty solutions.
• Global impact - We’re live in 22+ markets and growing fast.
• Category-defining product - Real-time payments, instant cashback, AI-powered merchant tools.
• Mission-driven - We’re here to make money smarter, fairer and faster for everyone.
• Dynamic Culture - Join a passionate, results-driven team that values innovation and collaboration.

Benefits & Perks

• Invest in your wellbeing and growth – Receive an annual Wellness and Development Allowance to use toward what helps you feel and perform at your best.
• Technology support – Access a Technology Allowance to help you create a productive working setup.
• Flexible hybrid working – Enjoy the balance of collaborating in person and working remotely.
• Celebrate together – Connect with the team through quarterly social events and our annual company trip.

How To Apply

We like to keep things simple, but we also want to make sure this is the right fit for both of us. Here’s what to expect:

• Phone Call - Chat our P&C team to see if we're aligned.
• Virtual Chat - A casual video call with our hiring manager to learn more about you, your experience, and what makes you tick.
• Speak with more of us - Chat further with a few of our other team members to get to know us better.
• Meet the Team & Present Your Thinking - An online catch-up at our office to see if we vibe and chat about how you’d make this role your own. This will include a short presentation where you’ll bring some ideas to life (nothing scary, we promise).

Sound like you? Let’s talk. Drop us a note at [email protected]

Direct applicants only, no agencies.