Fraud Analyst / Financial Crimes Investigations & Risk Operations Analyst at Breezy Digital Solutions

Breezy Digital Solutions is a premier full-service digital marketing and recruitment agency headquartered in Lagos, Nigeria. ‎We combine innovative digital strategies with expert talent acquisition to help businesses across Africa achieve their growth objectives. ‎Our mission is to empower brands with data-driven digital solutions while seamlessly matching organizations with exceptional talent to fuel long-term success.

We are recruiting to fill the position below:

Job Title: Fraud Analyst / Financial Crimes Investigations & Risk Operations Analyst

Location: Lagos
Employment Type: Full-time

Role Summary

• The Fraud Analyst / Financial Crimes Investigations & Risk Operations Analyst is responsible for detecting, investigating, and mitigating fraud and financial crime risks across the organization’s payment, remittance, P2P, and blockchain-enabled products.
• The role covers transaction monitoring, fraud investigations, crypto & blockchain analysis, dispute handling, and regulatory reporting, ensuring compliance with AML/CFT, sanctions, and fraud-risk frameworks.

Key Responsibilities
Fraud Detection & Transaction Monitoring:

• Monitor transactions across payments, wallets, P2P transfers, remittance, and crypto channels
• Review alerts generated by transaction monitoring systems and rules engines
• Identify suspicious patterns including:
  • Account takeover (ATO)
  • Authorized & unauthorized fraud
  • Velocity abuse
  • Structuring / smurfing
  • P2P fraud and social-engineering scams

Financial Crimes Investigations:

• Conduct end-to-end investigations into suspected fraud, money laundering, terrorist financing, and sanctions breaches
• Perform enhanced due diligence (EDD) on high-risk customers and transactions
• Gather and document evidence to support case conclusions
• Prepare and file Suspicious Transaction Reports (STRs/SARs) where required

Blockchain & Crypto Investigations:

• Investigate blockchain transactions using analytics tools to trace fund flows
• Identify exposure to:
  • Illicit wallets
  • Mixers / tumblers
  • Darknet markets
  • Scam and ransomware-related addresses
• Support compliance for VASP / crypto-enabled products

P2P Disputes & Chargeback Management:

• Investigate peer-to-peer (P2P) disputes, chargebacks, and customer complaints
• Analyze transaction histories, logs, and communication trails
• Recommend resolutions aligned with policy, evidence, and regulatory requirements
• Work closely with customer support and operations teams

Compliance & Risk Operations:

• Ensure adherence to:
  • AML/CFT regulations
  • Sanctions requirements
  • Internal fraud and risk policies
• Support regulatory examinations, audits, and internal reviews
• Maintain accurate case management records and investigation logs
• Contribute to fraud typology development and risk assessments

Reporting & Continuous Improvement:

• Produce periodic fraud and risk reports highlighting trends and emerging threats
• Provide insights to improve transaction monitoring rules and controls
• Recommend enhancements to fraud prevention and detection frameworks
• Support incident response during major fraud events.

Key Performance Indicators (KPIs)

• Quality and timeliness of investigations
• Accuracy of alert disposition
• Reduction in fraud losses
• SLA compliance for dispute resolution
• Regulatory reporting accuracy

Required Qualifications & Experience

• Bachelor’s degree in Finance, Accounting, Law, Computer Science, or related field
• 4–7+ years’ experience in:
  • Fraud analysis
  • Financial crime investigations
  • Transaction monitoring
  • Risk or compliance operations (fintech, bank, PSP, or crypto firm)
• Strong understanding of:
  • AML/CFT regulations
  • Fraud typologies
  • P2P and digital payments risks
  • Blockchain transaction mechanics

Technical & Analytical Skills:

• Experience with transaction monitoring systems and case management tools
• Familiarity with blockchain analytics tools (e.g., Chainalysis, TRM, Elliptic – an advantage)
• Strong data analysis and pattern recognition skills
• Ability to interpret logs, transaction flows, and behavioral data

Soft Skills & Competencies:

• Strong investigative and critical-thinking skills
• High attention to detail and documentation accuracy
• Ability to work under pressure and manage multiple cases
• Strong written and verbal communication skills
• High ethical standards and discretion

Certifications (Preferred but Not Mandatory):

• CAMS (Certified Anti-Money Laundering Specialist)
• CFE (Certified Fraud Examiner)
• ICA certifications (AML / Financial Crime)
• Crypto or blockchain compliance certifications

Why Join Us

• Work at the intersection of fintech and payments
• Exposure to complex cross-border financial crime cases
• Opportunity to shape fraud and compliance controls in a growing platform
• High-impact role with visibility across the business

Salary
N250,000 - N400,000 / Month.

Application Closing Date
15th February, 2026.