Transaction Monitoring & Fraud Monitoring Analyst

About Us

Hello Clever is building the next generation of payments and loyalty infrastructure by turning every transaction into growth for merchants.

Were an AI-powered fintech operating across 22 markets helping businesses move money in real time and convert payments into measurable outcomes like higher repeat rates bigger baskets and smarter customer engagement. Our platform combines local account-to-account rails embedded cashback & loyalty products and powerful data intelligence (Clever AI) so merchants can launch offers optimise ROI and scale faster all through a single integration.

Were also proud to be recognised on the global stage including being named Australias fastest-growing fintech Top 100 Forbes Asia ranked in the AFR Fastest-Growing Companies and selected for Inc. Magazines Best in Business alongside some of the most iconic companies in the world.

About the Role

As our Transaction Monitoring & Fraud Specialist youll play a critical role in protecting Hello Clever our customers and our merchants from fraud and financial crime. Youll be responsible for monitoring transactions investigating suspicious activity managing fraud cases and identifying emerging fraud trends across the customer lifecycle.

Working closely with our Risk Compliance Product Data and Engineering teams youll help strengthen our fraud detection capabilities by analysing data enhancing monitoring rules and continuously improving controls. This is an exciting opportunity for someone who enjoys combining analytical thinking with hands-on investigations in a fast-paced fintech environment while helping shape and evolve our fraud operations as we continue to scale.

Key responsibilities

• Review transaction-monitoring AML and fraud alerts across global payment flows; investigate suspicious activity identify red flags and escalate cases in line with internal procedures and regulatory expectations.
• Conduct KYC/CDD reviews and support enhanced due diligence for higher-risk customers merchants transactions or behaviours ensuring risks are assessed and documented appropriately.
• Prepare clear accurate and audit-ready investigation records including case narratives evidence decision rationale escalation notes and recommended next steps.
• Support suspicious activity escalation preparation for review by senior team members Compliance or MLRO-equivalent stakeholders ensuring timely and well-substantiated case handling.
• Analyse transaction and platform data using SQL to identify emerging fraud patterns unusual behaviours typologies false positives and control gaps.
• Help tune and enhance transaction-monitoring and fraud detection rules thresholds scenarios and alert logic based on observed trends case outcomes and false-positive analysis.
• Build refine and maintain SOPs investigation guides escalation matrices and monitoring playbooks as the fraud and transaction-monitoring function matures.
• Partner closely with Fraud Transaction Monitoring Compliance Product Data Operations and Engineering teams on cross-functional investigations control enhancements and process improvements.
• Support incident reviews and root-cause analysis for fraud events control failures or unusual activity patterns contributing to remediation actions that reduce losses and strengthen monitoring effectiveness.

Required qualifications

• 23 years of experience in transaction monitoring fraud analysis AML operations financial crime payments risk or risk operations within a fintech bank payments company or regulated financial services environment.
• Good understanding of fraud typologies AML transaction-monitoring concepts payment risk indicators suspicious activity red flags and customer/merchant risk factors.
• Strong analytical skills sound judgement and excellent attention to detail with the ability to review complex cases and make well-reasoned recommendations.
• Working knowledge of SQL with the ability to query analyse and interpret data to support investigations monitoring reporting and trend analysis.
• Comfortable operating in a fast-paced evolving environment with a builder mindset and willingness to improve processes playbooks and controls from the ground up.
• Strong written and verbal communication skills with the ability to document investigation findings clearly and communicate effectively with cross-functional stakeholders.
• Business-level fluency in English and Vietnamese is required.

Preferred / nice-to-have

• Experience using fraud AML transaction-monitoring case-management or payments-risk tools.
• Payments-specific fraud experience including exposure to cards bank transfers wallets real-time payments merchant acquiring chargebacks account takeover mule activity scams or payment abuse.
• Experience supporting rule tuning threshold optimisation false-positive reduction dashboard monitoring or fraud/AML reporting.
• Familiarity with regulatory expectations related to AML/CFT suspicious activity escalation KYC/CDD enhanced due diligence or financial crime controls in payments or fintech environments.

Why join Hello Clever

• High-Growth Fintech Be part of a company leading the future of real-time payments and loyalty solutions.
• Global impact Were live in 22 markets and growing fast.
• Category-defining product Real-time payments instant cashback AI-powered merchant tools.
• Mission-driven Were here to make money smarter fairer and faster for everyone.
• Dynamic Culture Join a passionate results-driven team that values innovation and collaboration.

Benefits & Perks

• Invest in your wellbeing and growth Receive an annual Wellness and Development Allowance to use toward what helps you feel and perform at your best.
• Technology support Access a Technology Allowance to help you create a productive working setup.
• Flexible hybrid working Enjoy the balance of collaborating in person and working remotely.
• Celebrate together Connect with the team through quarterly social events and our annual company trip.

How To Apply

We like to keep things simple but we also want to make sure this is the right fit for both of us. Heres what to expect:

• Phone Call Chat our P&C team to see if were aligned.
• Virtual Chat A casual video call with our hiring manager to learn more about you your experience and what makes you tick.
• Speak with more of us Chat further with a few of our other team members to get to know us better.
• Meet the Team & Present Your Thinking An in-person catch-up at our office to see if we vibe and chat about how youd make this role your own. This will include a short presentation where youll bring some ideas to life (nothing scary we promise).

Sound like you Lets talk. Drop us a note at

Direct applicants only no agencies.

Equal Opportunity and Accommodations

Hello Clever is an equal opportunity employer. We consider qualified applicants without regard to any characteristic protected by applicable law. We provide reasonable accommodations for applicants with disabilities and for religious observances during the hiring process. Please let your recruiter know if you need an accommodation.

Required Experience:

IC

Employment Type : Full-Time
Department / Functional Area: Compliance
Experience: years
Vacancy: 1