Fraud Data Analyst
Fraud Data Analyst
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Job Description
This is a level 3 position. Cleo has 5 internal levels of competency within Product Analytics. See our skills framework for how we differentiate on seniority.
We strongly encourage applications from people of colour the LGBTQ community people with disabilities neurodivergent people parents carers and people from lower socio-economic backgrounds. If theres anything we can do to accommodate your specific situation please let us know.
About Cleo
People come to Cleo to do work that matters. Every day we empower people to build a life beyond their next paycheck building a beloved AI that enables you to forge your own path toward financial by some of the best-known investors in tech weve reached millions of people to support them throughout their financial lives. Were hitting headlines too. This year Forbes named us as one of their Next Billion Dollar Startups and we were crowned the Hottest Tech Scaleup at the us on LinkedIn to keep up to date with new product features and insights from the team.What Youll Be Doing
Were looking for aFraud Data Analyst to join the Fraud Squad at Cleo.
As a Fraud Data Analyst youll be at the frontline of protecting both our users and the business from emerging fraud threats. You will play a critical role in helping shape the future of our fraud prevention strategy by turning data into actionable insight and partnering closely with cross-functional teams to move fast iterate and stay ahead of attackers.
Youll work in a fast-paced environment where analytical sharpness and strategic thinking are critical. Your work will help us answer questions like:
What fraud is slipping through our defences
Whats driving our dispute rate this month
Where are our rules creating friction for legitimate users
How do we make better decisions faster
Key responsibilities:
Fraud Detection and Investigation
- Proactively review and investigate emerging fraud incidents and disputes.
- Investigate reported fraud cases and disputes to uncover broader trends and patterns.
- Develop and refine fraud rules to improve efficiency.
- Conduct root-cause analysis of false positives to fine-tune detection strategies.
- Proactively identify potential fraud threats and design and execute mitigation strategies.
- Work with the wider fraud squad to rapidly identify and mitigate fraud attacks through data-led diagnosis and short-term triage rule design and lead incident response.
- Stay on top of chargebacks / disputes and volume spikes and develop mitigation strategies to reduce losses and avoid threshold breaches (both for cards and ACH payments).
Data Analysis and Reporting
- Extract and analyse large volumes of transactional data using SQL
- Produce comprehensive analysis with concise narrative on findings and proposed solutions providing stakeholders with the information they need to take action.
- Build and maintain dashboards and reports that highlight fraud trends and KPIs.
- Own and monitor fraud KPIs and proactively flag areas of risk or opportunity.
- Improve access to fraud data through collaboration with engineering and AX teams.
- Present complex data findings to stakeholders in a clear and actionable manner.
Collaboration
- Work closely with product operations compliance customer service and the wider fraud squad.
- Liaise with external third parties such as fraud vendor partners payment partners.
What are we looking for
To be successful in this role you should possess the following qualifications and attributes:
- SQL Proficiency: You have 2 years hands-on experience with SQL using it to analyze data identify trends and support your investigations.
- Experience:
- You have a minimum of 2 years of experience in a Fraud Data Analyst or similar role within payments fintech or eCommerce.
- Expertise in fraud typologies including identity theft CNP fraud payment fraud Account Takeovers etc.
- Versatility: You can seamlessly switch between reactive and proactive work handling urgent fraud cases while also focusing on long-term prevention strategies.
- Detail-Oriented: You have a keen eye for detail with a passion for uncovering trends and insights from complex data sets.
- Analytical Skills: Ability to analyse anomalies identify trends and convert findings into prevention strategies
- Communication skills: excellent communication and stakeholder engagement skillsAs a Data Analyst in our Fraud team at Cleo you will play a critical role in safeguarding our company and users from fraudulent activities. Your responsibilities will include:
About You
- SQL Proficiency: You have 2 years hands-on experience with SQL using it to analyze data identify trends and support your investigations.
- Experience: You have a minimum of two years of experience in the field of fraud investigation.
- Versatility: You can seamlessly switch between reactive and proactive work handling urgent fraud cases while also focusing on long-term prevention strategies.
- Detail-Oriented: You have a keen eye for detail with a passion for uncovering trends and insights from complex data sets.
Join us at Cleo where your expertise will help us stay ahead of fraud and ensure a secure environment for our users. If youre passionate about fraud investigation and thrive in a fast-paced dynamic setting we would love to hear from you.
What do you get for all your hard work
- A competitive compensation package (base equity). You can view our public skills framework and salary bandings here
- This position is at L3 or L4 level and the salary for this role will be xx.
- Work at a fast-growing UK startup backed by top VC firms - Sofina Balderton EQT Ventures - that still has a sense of its values
- A clear progression plan. We want you to keep growing. You will always have a clear development plan built using our skills framework and a people-manager who works hard to help you on that journey.
- Flexibility: We treat you as humans first employees second. Because we cant fight for the worlds financial health if were not healthy ourselves. This means all the usual perks but it also means flexibility. We take pride in being a flexible workplace that trusts our Cleople to deliver their best work giving you the autonomy to structure your day around morning drop-offs to school or daily dog walks.
- Hybrid-first:Join our hybrid-first team where we blend the best of both remote and in-office work. London based employees come to our London office 1-2 times a week however were open to remote employees for this role. If London based on Thursdays we buy you lunch but you can come to the office on whichever days work best for you!
- And the rest!
- Performance reviews every 6 months with generous pay increases and equity top-ups for high performers
- Private Medical Insurance dental cover life assurance
- 25 days annual leave 1 additional day for every year you spend at Cleo ( public holidays)
- 6% employer-matched pension
- 1 month paid sabbatical after 4 years at Cleo
- Enhanced parental leave
- Access to Learnerbly Reforge and other L&D portals
- Online mental health support via Spill
- Well pay for your OpenAI subscription
- Regular socials and activities online and in-person
- And more! Check out our full benefits package
UK App access: The Cleo app is no longer downloadable in the UK. Why 99% of our users are based in the US where financial health is often overlooked. Weve shifted our focus to where we can provide the most value and make the greatest impact for users. Well be returning to support UK users in the future.
Required Experience:
IC
Employment Type
Full Time
