Anti-Fraud Investigator

Viva.com is the first Tech Bank in Europe for businesses, serving 29 countries through its pan-European critical infrastructure for payments & banking services.

Viva.com’s offering spans across omnichannel payment acceptance, deposit accounts, card issuing, and a broad suite of financing solutions - including working capital and advance booking financing - alongside fiscalisation services, giving businesses across all verticals access to the tools they need to run their operations efficiently, on a single integrated platform.

Viva.com pioneered and leads in Tap on Any Device technology, enabling acceptance on any Android device or iPhone, while connecting directly to all major international and local card schemes, local payment systems, and alternative payment methods across Europe.

The Role

This role focuses on conducting daily anti-fraud investigations across card issuing, acquiring, and bank account payments. Working closely with internal teams and leveraging modern technologies and AI-driven solutions, the position helps identify fraud patterns, strengthen controls, and ensure effective detection and prevention across the EEA.

Responsibilities:

• Handle day-to-day anti-fraud investigations for card issuing/acquiring and bank account payments across countries within the European Economic Area (EEA);
• Utilize industry “best practices” and relevant tools to review transactional data and other information to assess the risk of fraud for specific transactions or individuals;
• Develop and maintain effective communication with colleagues and customers throughout the investigation process;
• Collaborate closely with data science and risk teams to provide valuable feedback on observed fraud patterns and trends;
• Suggest and implement anti-fraud rules and controls within multiple systems to improve detection and prevention mechanisms;
• Leverage AI and machine learning tools to enhance fraud detection processes, automate pattern recognition, and improve investigation efficiency.

At Viva.com, we believe in amplifying human potential through AI. When you join us, you're stepping into a future-forward environment where technology empowers every role, driving smarter, more efficient.

Requirements

• Minimum of 1-2 years of working experience in end-to-end anti-fraud analysis, investigation, prevention, detection, and handling for card issuing/acquiring and bank account payments;
• Prior experience in communicating with customers regarding fraud-related issues;
• Strong knowledge of schemes associations' risk management requirements and guidelines, with a minimum understanding of MasterCard & Visa standards;
• Up-to-date knowledge of current fraud patterns, trends, and emerging fraud techniques;
• Excellent command of the English language, both written and verbal;
• Proficiency in Microsoft Applications (Excel, Word, PowerPoint, etc.);
• Familiarity with AI tools and technologies used for fraud detection and prevention.

Benefits

Competitive compensation package;

Annual bonus based on your performance and targets' achievement;

Private health insurance for you and your family;

Top of the Line tools and equipment;

Career development and regular feedback to develop your skills;

Employee Wellness Program like Daily group sessions led by professional coaches.