Role & responsibilities

Job Description: Card Fraud Operations Analyst

Department: Fraud Risk / Card Operations
Designation: Card Fraud Operations Analyst / Executive
Industry: Banking / Financial Services / Fintech

Job Summary

Responsible for monitoring, identifying, investigating, and preventing fraudulent debit and credit card transactions. The role involves reviewing suspicious transactions, handling fraud alerts, managing customer-reported fraud cases, and minimizing financial losses while ensuring compliance with internal policies and regulatory requirements.

Key Responsibilities

- Monitor debit and credit card transactions for suspicious or potentially fraudulent activity.
- Investigate fraud alerts generated by transaction monitoring systems and fraud detection tools.
- Analyze transaction patterns, customer behavior, merchant activity, and geographical anomalies to identify fraud.
- Handle cardholder-reported unauthorized transactions and initiate appropriate investigation procedures.
- Perform card blocking, hotlisting, or other preventive actions as per company policies and authorization limits.
- Review chargebacks, fraud disputes, and transaction claims in coordination with relevant teams.
- Identify fraud trends, emerging fraud typologies, and suspicious transaction patterns.
- Escalate high-risk cases and potential financial losses to the appropriate fraud risk team.
- Maintain accurate case documentation and investigation records.
- Meet operational KPIs such as turnaround time (TAT), productivity, accuracy, and fraud loss prevention.




- Follow applicable regulatory guidelines, data privacy requirements, and internal fraud prevention policies.
- Coordinate with customer service, disputes, payment networks, and other internal stakeholders.

Required Skills

- Knowledge of debit and credit card transactions and payment processing.
- Understanding of card fraud types, including card-not-present (CNP) fraud, counterfeit card fraud, lost or stolen card fraud, and account takeover.
- Strong analytical, investigative, and problem-solving skills.
- Valuable attention to detail and decision-making ability.
- Proficiency in MS Excel and basic reporting.
- Good written and verbal communication skills.
- Ability to work in shifts, including rotational shifts, if required.

Educational Qualifications

- Graduate in any discipline; a degree in Finance, Commerce, Banking, or Business Administration is preferred.
- Prior experience in banking operations, fraud monitoring, chargebacks, disputes, or payment operations is an advantage.

Experience

- Entry-level: 02 years, depending on the employer.
- Experienced: 2–5 years in card fraud operations, fraud investigation, or banking operations.

Key Performance Indicators (KPIs)

- Fraud detection and prevention effectiveness.
- Investigation accuracy and quality.
- Case resolution turnaround time.
- Fraud loss rate and false-positive rate.
- SLA adherence and productivity.
- Compliance with operational procedures and audit requirements.

Preferred candidate profile

Perks and benefits

📌 Fraud Analyst (Bengaluru)
🏢 ALTIMETRIK
📍 Bengaluru