About Verto At Verto, we're on a mission to democratise global finance and empower businesses in Emerging Markets to reach the world. Founded by British-Nigerian entrepreneurs Ola Oyetayo and Anthony Oduu, our roots in Africa provided a firsthand understanding of the significant challenges businesses face with cross-border payments, ranging from illiquid currencies and high fees to slow transactions. This deep-rooted insight is why Africa remains a core focus, as we're committed to bridging the gap between emerging and developed markets and fostering global economic growth. What started as an FX solution for the Nigerian Naira has evolved into a market-leading platform, enabling thousands of businesses to seamlessly transfer billions of dollars annually. We believe that where you do business shouldn’t determine your success or ability to scale. We're creating equal access to the easy payment and liquidity solutions that are already a given in developed markets. We're not alone in realising this crucial need; we're backed by world-class investors including Y-Combinator, Quona, and MEVP. With Verto receiving the Milken-Motsepe Prize, appearing on CNBCs list of fastest growing UK companies, the Deloitte Fast 50 and Sifted’s fastest-growing UK tech companies, we are building a seamless cross-border payment future. Join us as we continue to grow and transform global finance. Role Overview This is your chance to own, build, and architect our Fraud Operations capability from the ground up. We are looking for a builder, not just an operator. You won't just be managing risk; you will be writing the strategic roadmap for the next 12 months, directly influencing product strategy, and stopping bad actors in their tracks. If you thrive on autonomy, fast-paced delivery, and want to be the "Data Guru" for a rapidly scaling Fintech, this is the role for you. We are seeking a driven and results-oriented Senior Fraud Operations Associate to tackle fraud prevention in global payment systems, with a specific focus on cards, Pay-by-Link, and emerging markets. What You’ll Be Doing Architecting the Roadmap: Designing, building, and enhancing the Fraud Operations capability, ensuring delivery aligns with Verto’s aggressive growth trajectory. Mastering the Tools: Acting as the master calibrator of our advanced fraud detection tools. Your technical proficiency will reduce false positives while ensuring no major fraud incidents slip through. Elite Investigations: Leading complex, high-stakes payment fraud investigations and serving as the primary liaison with law enforcement and external partners to ensure recovery and accountability. Owning Card Risk: Taking full ownership of the chargeback management lifecycle, analysing trends, defending submissions, and managing Visa/Mastercard alerts (TC40 and SAFE). Acting as Risk Owner: Serving as the dedicated Risk Owner for our scaling Pay-by-Link product, optimising security while ensuring seamless client adoption. Being the Data SME: Leveraging your analytical skillset to translate complex financial crime trends into actionable insights, acting as the "Data Guru" for the wider Compliance and Transaction Monitoring functions. Partnering with Product: Collaborating directly with the Product team to design and embed "security-by-design" features, making risk management a core function of our platform. Driving Intelligence: Constantly monitoring industry best practices and emerging trends to keep Verto two steps ahead of bad actors. What You Need 3-4 years of experience as a Fraud Analyst, with a specific focus on cards and payment processes. A proven track record of building or enhancing a Fraud Operations function (not just operating within one). Deep, practical expertise in Chargeback/Dispute Management and card scheme rules (Visa/Mastercard). Hands-on experience with Visa and Mastercard fraud prevention systems, particularly TC40 and SAFE alerts. Strong knowledge of Pay-by-Link payment solutions and their specific risk profiles. An investigative mindset with experience liaising with law enforcement or external forensic partners. Strong analytical skills, with the ability to analyse large datasets to identify fraud patterns and trends. A collaborative spirit with the ability to influence non-technical partners (Sales, Product) on complex risk issues. Best If You Have Experience gained in a high-growth FinTech or payments environment. Direct experience working with competitor Pay-by-Link or cross-border payment products. SQL or Python skills for independent data analysis. About the Interview Process It will have a chat with the talent team, a round with the hiring manager and case study round with a panel. You’ll Fit Right In If You Love asking “why?” Value solving problems over just completing tasks Understand sync vs. async communication practices Thrive in ambiguity and change Actively seek feedback Prioritise impact over activity Are fun to work with - we love good humour! Life at Verto Mission-Driven Impact Work: Be at the forefront of simplifying cross-border payments, directly contributing to a borderless future for global businesses, particularly in emerging markets. High Performance & Ownership: We empower you to take risks, be results-driven, and take ownership. Act fast, deliver impactful results, and make the impossible possible. We set you up for success. Collaborative & Supportive Environment: We work "as one," sharing successes and failures openly. We foster a transparent, supportive atmosphere where everyone does their best. A community of colleagues from varied backgrounds, who care deeply about their craft, collaborate with purpose, and enjoy the journey together. Industry Competitive Compensation & Benefits: We compensate our employees in recognition of the great value they bring to the business; our compensation and benefits package are competitive in the industry across all our geographies. This includes performance based salary reviews, comprehensive health and wellness benefits, generous paid time off and flexible working arrangements to support your career and life. Our Core Values: Our core values mirror the focus we have, energy we bring to work and shared expectations within the team. Champion the Mission: We are driven by curiosity and belief to solve cross-border payments pain points globally. Be the Best: We are open, take appropriate risks, adopt a results-driven approach, and are the best at what we do. Work as One: We are transparent with sharing failures and mistakes as well as successes. Go the Extra Mile: We deliver beyond what is possible. We make impossible possible. Customer First: We are creative in solving existing problems and bold in designing a new and better experience for customers. Run with It: We are determined, seek challenges, take ownership of tasks, act fast and deliver results. Diversity & Inclusion at Verto Verto is an equal opportunities employer and we value diversity. Anyone seeking employment at Verto is considered based on Merit, Competence, Qualifications and their Talent. We are proud to be a truly international team and we do not discriminate in our hiring process.