Onboarding Fraud Analyst

Calamatta Cuschieri Moneybase plc is a privately held Financial Services Group that operates in Investment Services, Payments and Fund Administration. With roots dating back to 1971, the Group today is evolving at a fast pace whilst keeping the same core principles, that of providing clients the best service using the latest technology and the top professionals in their field.

Moneybase is a multi-award-winning finance platform that allows individuals and businesses to easily manage all their financial needs, from daily payments to investments to treasury and wealth management we have got you covered. 

We are committed to attracting and selecting the very best people to join our team and to creating a workplace that promotes individual career growth; we value our people and their well-being. The group employs 200 people from over 30 countries around the world with Assets Under Management and Administration of over 3 billion.

Job Overiew:
The Onboarding & Fraud Analyst – Payments is responsible for reviewing, verifying, and approving customer onboarding applications while monitoring payment activity to identify and prevent fraudulent transactions. This role plays a key part in ensuring compliance with internal policies, regulatory requirements, and anti-fraud procedures, while delivering a seamless customer experience. 
 
The ideal candidate is detail-oriented, analytical, and capable of making sound decisions in a fast-paced payments environment. The role requires a proactive approach to risk management, fraud prevention, and customer support. 

Job Responsibilities:

Customer Onboarding 

• Review and verify new customer applications and supporting documentation. 

• Conduct Know Your Customer (KYC), Know Your Business (KYB), and Customer Due Diligence (CDD) checks. 

• Assess company structures, ownership details, and business activities for corporate customers. 

• Validate customer identity, business information, and payment-related documentation. 

• Ensure onboarding processes comply with company policies and regulatory requirements. 

• Perform risk-based reviews and escalate high-risk, suspicious, or complex cases when necessary. 

• Maintain accurate customer records and documentation. 

Fraud Monitoring & Prevention 

• Lead and oversee daily fraud monitoring and investigations across payments, cards, and digital transactions. 

• Manage chargeback operations, ensuring timely, accurate recovery and reporting. 

• Build, review, and optimise fraud detection rules while balancing customer experience with risk control. 

• Act as the primary point of contact for fraud-related matters across Risk, Compliance, and Customer Operations teams. 

• Collaborate with Technology and Product teams to implement automation, data analytics, and machine-learning-driven fraud detection solutions. 

• Identify emerging fraud trends and implement proactive measures to mitigate risk. 

• Prepare and present fraud metrics, loss analysis, and performance insights to senior leadership. 

• Support the development of fraud awareness and internal training initiatives. 

• Contribute to policy and process design for financial crime prevention, ensuring regulatory compliance and audit readiness. 

Compliance & Risk Management 

• Ensure adherence to AML (Anti-Money Laundering), KYC, KYB, and fraud prevention regulations. 

• Maintain confidentiality and securely handle sensitive customer information. 

• Prepare reports and maintain audit-ready records. 

• Follow internal risk assessment procedures and escalation protocols. 

Customer Support & Communication 

• Communicate professionally with customers regarding onboarding requirements or fraud reviews. 

• Request additional documentation when required. 

• Provide timely updates and resolutions while maintaining a positive customer

• Previous experience in payments, fintech, banking, fraud prevention, onboarding, or compliance. 

• Strong understanding of KYC, KYB, AML, and fraud monitoring processes. 

• Strong analytical, investigative, and problem-solving skills. 

• High attention to detail and accuracy. 

• Ability to work independently and manage multiple tasks in a fast-paced environment. 

• Excellent written and verbal communication skills. 

• Experience with CRM systems, SQL, Power BI, and fraud monitoring tools. 

• Proven experience managing chargebacks and fraud prevention frameworks end-to-end. 

Qualifications 

• Experience within a Payment Service Provider (PSP), fintech, or financial institution. 

• Knowledge of card payments, chargebacks, transaction monitoring, and fraud tools. 

• Familiarity with regulatory frameworks and risk-based onboarding practices. 

• Experience using fraud detection or case management systems. 

• Strategic mindset with a hands-on approach. 

Key Performance Indicators (KPIs) 

• Accuracy and quality of onboarding reviews. 

• Fraud detection effectiveness. 

• Turnaround time for onboarding and investigations. 

• Compliance adherence. 

• Reduction in fraud losses and operational risk. 

• Customer satisfaction and response times. 

Working Conditions 

• Full-time position. 

• Shift-based work may be required depending on operational coverage. 

• Hybrid working environment. 

Remuneration

We are committed to attracting and selecting top people to join our team. We are also committed to creating a workplace that encourages individual growth; we value our people and their well-being.

What we offer:

• Ongoing internal training

• External training opportunities

• Study Leave

• Sponsorship schemes for further studies

• Opportunities for career growth

• Free health insurance

• Gym Subsidy

• Performance bonus

• Employee referral incentive

Visit our websites - cc.com.mt or moneybase.com for more information about us.

All Applications will be acknowledged and treated with maximum confidentiality

“The enduring goal of Calamatta Cuschieri Moneybase is that the composition of our workforce should reflect that of the communities in which we work.”

Reference: CCMT01127