Fraud Analyst

About the Role

Iserious is a Singapore-based eSIM company building a scalable Risk Control System to replace manual transaction review with an automated fraud detection and enforcement pipeline. We’re looking for a Fraud Analyst / Senior Fraud Analyst to own day-to-day transaction review while helping shape the rules and methodologies that power our automated detection. This is a hands-on individual contributor role for someone who understands that good fraud control is about stopping bad actors without adding friction for legitimate customers.

You’ll join a growing risk function working closely Operations and engineering, contributing directly to a system moving from manual review into real-time enforcement.

What You’ll Do

• Conduct daily transaction reviews across multiple payment service providers (Antom, PayPal, Airwallex), assessing authentication signals, payment patterns, and cross-account linkages to make accurate block/allow decisions.

• Investigate suspected fraud using a structured assessment methodology — pattern analysis, authentication checks, issuer data, cross-account links, and email/IP/BIN signals — building conclusions from verified facts rather than assumptions.

• Design, test, and refine fraud rules and detection logic, calibrating thresholds to maximize fraud capture while minimizing false positives and friction for genuine users.

• Maintain and evolve blocklist and monitoring frameworks, ensuring decisions are consistent, well-documented, and reproducible.

• Build and maintain reporting dashboards and analytics that surface fraud trends, rule performance, and emerging attack patterns to inform decisions.

• Identify coordinated fraud (card testing networks, BIN clustering, payer-level anomalies) and escalate appropriately.

• Partner with engineering to translate manual review heuristics into automated rules within the Risk Control System.

What We’re Looking For

• 3–5 years of hands-on fraud review experience in payments, fintech, e-commerce, or a related high-volume transaction environment.

• Strong understanding of payment fraud mechanics: 3DS authentication, card testing, chargebacks, prepaid vs credit/debit dynamics, and digital wallet authentication.

• Demonstrated experience building or refining fraud rules and methodologies, with a clear focus on minimizing friction for legitimate customers.

• Experience working with fraud detection tools and platforms (e.g., transaction monitoring systems, risk scoring engines, enrichment data feeds for email/IP/BIN reputation).

• Solid data analytics skills — comfortable working with transaction data, spreadsheets, and SQL; able to build and interpret reporting dashboards.

• Rigorous, precise, and detail-oriented; able to follow a structured assessment process consistently and document working clearly.

• Sound judgment under ambiguity, with a default toward evidence-based decisions over reactive escalation.

Nice to Have

• Experience in eSIM, telecom, or digital goods, where geographic mismatch between buyer and product is often legitimate rather than a fraud signal.

• Familiarity with payment service providers such as Antom, PayPal, or Airwallex.

• Exposure to building or contributing to automated risk systems, including real-time enforcement and velocity rules.