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