Senior Card Fraud Analyst

About The Role

The Cards Fraud Analyst is responsible for protecting StraitsX and its clients from card-related fraud through proactive monitoring, in-depth investigations, and continuous optimization of fraud rules and processes. This role requires analytical thinking, strong attention to detail, and the ability to balance fraud prevention with a seamless customer experience.

Working closely with the Fraud, Dispute Operations, Compliance, Product, and Engineering teams, this position plays a key role in maintaining operational excellence and minimizing losses caused by unauthorized or high-risk card transactions.

What Will You Do

• Monitor real-time and post-transaction fraud alerts to detect suspicious card activity.
• Investigate potential card fraud cases, including unauthorized usage and counterfeit transactions.
• Conduct data-driven analyses of fraud trends, emerging threats, and rule performance.
• Recommend and implement improvements to card fraud detection rules, thresholds, and monitoring logic.
• Collaborate with internal stakeholders (Fraud, Dispute Operations, Product, Engineering, Compliance) to optimize fraud prevention processes.
• Support dispute and chargeback management for card-related fraud cases.
• Prepare periodic fraud performance reports, including alert volumes, false-positive rates, and key metrics.
• Participate in testing and validating fraud tools and system enhancements.

What We Are Looking For

• At least 3 year of experience in fintech, payments, or fraud operations, preferably in card fraud management.
• Knowledge of 3D Secure, AVS, CVV, tokenization, and other card security protocols.
• Experience with SQL, data visualization tools (e.g., Metabase), or Python for fraud analytics is a plus.
• Strong attention to detail and an investigative mindset.
• Effective communication and collaboration skills across cross-functional teams.
• Ability to work under pressure and respond quickly to emerging fraud threats.

About StraitsX

StraitsX is the pioneering payments infrastructure for digital assets space in Southeast Asia developed by Singapore-based FinTech Xfers, which is a Major Payment Institution licensed by the Monetary Authority of Singapore for e-money issuance (now part of Fazz).

StraitsX offers personal and business accounts to deposit, hold and withdraw funds as well as to connect their accounts to digital asset platforms. Business accounts can also access B2B API-enabled payments rails for digital asset platforms and issues the Singapore Dollar-backed stablecoin, XSGD.