We believe that businesses of all sizes deserve better financial and payment products and services. Traditionally, businesses of all sizes are let down by slow applications, protracted onboarding, opaque pricing, restrictive contracts and forced to use outdated solutions that no longer meet the innovative requirements of modern business. We started our journey four years ago, and have since helped tens of thousands of Australian businesses reduce the complexity and time taken to take and make payments, manage complex fleets of payment hardware, store and save money and lead the conversation in business-to-business fintech. We’re now taking our next steps in expanding our industry and world leading capabilities into the United Kingdom. Our company is backed by leading global VCs, and brings together experienced payment and tech industry professionals who are aiming to redefine business banking and the way businesses get paid by their customers. If you are passionate, curious, hungry and seeking an opportunity to make your mark on Fintech in the United Kingdom, with the strength of a global team behind you - we’d love to talk to you. This is a unique opportunity to shape, direct and build better financial services for all UK businesses. Zeller is searching for a Fraud Risk Analyst to join our growing Risk and Compliance team. This is a crucial role where you'll be on the front lines, helping us protect our business and customers from fraudulent activity. You'll be responsible for detecting, investigating, and mitigating fraud across our platform. Using your sharp analytical skills, you'll identify suspicious patterns and trends, conduct thorough investigations, and work to implement new controls to stay one step ahead of fraudsters. Your proactive approach and attention to detail will be key to protecting Zeller and our merchants from financial crime. This position is perfect for someone who is a natural problem-solver, highly motivated, and has a strong sense of ownership. You’ll thrive on a challenge and be motivated by the opportunity to make a tangible impact on a fast-paced and innovative fintech. We’re committed to giving you the resources and support you need to do incredible things and grow your career with us. Responsibilities Support fraud monitoring and risk controls across merchant acquiring products, including card acceptance, authorisation, clearing, and settlement Contribute fraud and risk input across the end-to-end acquiring lifecycle, from merchant onboarding and underwriting through to live transaction monitoring and settlement Work with card schemes (Visa/Mastercard), acquiring partners, processors, and gateways to manage operations and resolve acquiring-related issues Identify and monitor fraud typologies relevant to merchant acquiring (e.g. card-not-present fraud, friendly fraud, chargeback abuse), supporting mitigation strategies) Support merchant KYB/KYC and underwriting, working closely with Risk and Compliance to meet scheme rules and UK regulatory requirements Monitor and help manage disputes, chargebacks, refunds, and scheme queries, ensuring thresholds and SLAs are met Demonstrate an understanding of payments, including FPS and UK domestic (UK-to-UK) payment flows, and PCI DSS requirements Operate in line with relevant regulatory and scheme guidelines, including card scheme rules, AML/CTF requirements, and industry standards Skills, Knowledge and Experience 1 years experience in preventing Financial Crime Hands-on experience in merchant acquiring or payments, with a solid understanding of card schemes, onboarding, and transaction lifecycles (typically 2 years) A Bachelor’s degree, or a track record of experience that proves it was not required Knowledge of the AML/CTF Act and regulatory requirements A strong understanding of fraud and credit risks in the financial services industry. Ability to resolve complex issues or complaints Well-developed communication skills including email with customers and key stakeholders Ability to work independently with minimal supervision An enquiring and analytical mindset with high attention to detail Experience liaising with cross-functional teams including Customer Success, Sales and Marketing A good understanding of why preventing Financial Crime is important Bonus Points (Nice to have) You have experience in Banking, Financial Services, Payments or a Government or Regulatory body (e.g. Financial Conduct Authority) You have been part of a high-growth startup environment before You have a relevant industry certification (e.g. CAMS, CFCS) Like the rest of the team, you’ll benefit from - An opportunity to shape and build the future of Zeller from the ground up in the UK - A competitive salary package, including equity from an early stage; - A balanced, progressive, and supportive work environment; - Endless learning and development opportunities; -Excellent parental leave and other leave entitlements; -Being part of a fast-growing and ambitious scale-up. At Zeller, we celebrate diverse perspectives and experiences, and strongly encourage people of all backgrounds and identities to apply to join our team. We want you to be able to show up at your best during the recruitment process. Please, let us know if you require any accommodations during your interview process with us. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.