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Risk Analyst

Zeller· Strategy and Operations – Risk and Compliance
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Hybrid (London, UK)Full-timePosted 11mo ago

About the role

Zeller is seeking a Fraud Risk Analyst to join the Risk and Compliance team in London. The role focuses on detecting, investigating, and mitigating fraud across the platform, working to implement new controls and stay ahead of fraudsters in a fast-paced fintech environment.

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

Qualifications

  • 2+ years' experience in merchant acquiring, payments, transaction monitoring, fraud prevention, merchant risk, or financial crime operations within a UK regulated financial services environment
  • Hands-on experience in merchant acquiring or card payments, including working with card schemes, acquiring partners, payment processors, or gateways, with a solid understanding of merchant onboarding, underwriting, and transaction lifecycles
  • Experience monitoring and investigating transaction activity, identifying fraud trends, anomalies, and emerging fraud typologies within payments or merchant acquiring environments
  • Knowledge of fraud typologies, transaction monitoring controls, chargeback management, merchant risk, and fraud mitigation strategies
  • Understanding of card payment processing, including authorisation, clearing, settlement, disputes, chargebacks, refunds, and UK payment systems such as Faster Payments (FPS)
  • Experience supporting merchant onboarding and ongoing merchant risk monitoring activities
  • Working knowledge of card scheme rules, PCI DSS requirements, AML/CTF obligations, and payment industry standards
  • Strong analytical, problem-solving, and investigation skills, with the ability to assess risk and resolve complex operational, fraud, or payment-related issues
  • Strong communication and stakeholder management skills, with the ability to collaborate effectively across teams
  • Ability to work independently, manage competing priorities, and exercise sound judgement with minimal supervision

Skills

Required:Fraud detection and investigationMerchant onboarding and underwritingCard schemes and payment networks

Benefits

  • An opportunity to shape and build the future of Zeller from the ground up in the UK
  • 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
Last updated Oct 21, 2026. Interested? Apply on the company site.

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