Job Overview
Senior Digital Fraud Risk Investigator
Location: Dubai, United Arab Emirates
Industry: Fintech | Digital Banking | Financial Crime Prevention | Fraud Risk Management
Employment Type: Full-Time | Permanent
About the Opportunity
A globally recognized fintech banking institution is expanding its Financial Crime Prevention Division and is seeking an accomplished Senior Digital Fraud Risk Investigator to protect its rapidly growing digital banking ecosystem against increasingly sophisticated financial crime threats. This strategic role is designed for an experienced fraud professional with deep expertise in fraud detection, transaction monitoring, behavioral analytics, digital identity verification, payment security, and financial crime investigations.
As digital banking continues to evolve through instant payments, open banking, embedded finance, AI-powered financial services, virtual accounts, digital wallets, and real-time payment infrastructures, the organization requires an exceptional investigator capable of identifying complex fraud patterns before they impact customers or business operations.
Working alongside Cybersecurity, Anti-Money Laundering (AML), Compliance, Risk Management, Data Science, Payment Operations, Engineering, and Customer Experience teams, you will help strengthen enterprise fraud prevention capabilities while supporting the organization’s commitment to secure, trusted, and innovative financial services.
Key Responsibilities
- Conduct end-to-end investigations into suspected fraud involving digital banking channels, mobile banking applications, internet banking, payment gateways, digital wallets, card transactions, and account takeover attempts.
- Analyze transactional data, behavioral patterns, device intelligence, geolocation indicators, and customer activities to identify fraudulent behavior.
- Investigate unauthorized payments, identity theft, synthetic identity fraud, phishing incidents, account compromise, and social engineering attacks.
- Collaborate with cybersecurity teams during fraud-related security incidents.
- Prepare detailed investigative reports supporting regulatory, legal, and internal governance requirements.
- Escalate high-risk fraud cases and recommend immediate mitigation strategies.
- Develop fraud typologies and continuously update investigative methodologies.
- Support law enforcement and regulatory requests where appropriate.
- Participate in fraud awareness initiatives across internal departments.
- Recommend process improvements that reduce fraud exposure while enhancing customer experience.
- Mentor junior investigators and contribute to continuous improvement programmes.
Required Qualifications
- Bachelor’s degree in Finance, Banking, Criminal Justice, Cybersecurity, Computer Science, Accounting, Economics, or related discipline.
- Master’s degree is advantageous.
- Minimum 6–10 years of fraud investigation experience within fintech, banking, digital payments, financial services, or financial crime investigations.
- Strong knowledge of digital payment ecosystems and fraud detection methodologies.
- Excellent analytical, interviewing, documentation, and investigative skills.
Preferred Certifications
- Certified Fraud Examiner (CFE)
- Certified Financial Crime Specialist (CFCS)
- CAMS
- CCEP
- Certified Information Systems Security Professional (CISSP) (advantageous)
- ACAMS Advanced Financial Crime Certifications
Technical Expertise
- Fraud Detection Platforms
- Transaction Monitoring Systems
- Case Management Software
- Digital Identity Verification
- Device Intelligence
- Behavioral Biometrics
- SQL
- Power BI
- Microsoft Excel (Advanced)
- SAS
- Python (Analytics)
- AML Monitoring Tools
- CRM Systems
- API Banking
- Payment Gateway Technologies
- Card Fraud Monitoring
- Digital Wallet Security
Professional Competencies
- Financial Crime Investigation
- Fraud Risk Assessment
- Analytical Thinking
- Evidence Collection
- Regulatory Compliance
- Interviewing Techniques
- Decision Making
- Attention to Detail
- Communication Excellence
- Cross-Functional Collaboration
- Integrity and Professional Ethics
Employee Benefits
- Highly competitive tax-free salary
- Annual performance incentives
- Premium international healthcare coverage
- Housing allowance
- Annual airfare
- Retirement savings programme
- Professional certification sponsorship
- Hybrid working flexibility
- International fraud investigation conferences
- Leadership development programmes
- Long-term career advancement opportunities
Are you excited about this opportunity?
Don’t miss the chance to make a difference in the fintech and FX industry!
Apply now by clicking on the “Apply Now” button below.
Let’s shape the future of finance together!
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