Who we are and what's important to us
We offer simple solutions for smart businesses. From instore and online card processing to card issuing and ATM, we touch every part of fintech’s most exciting investment spaces.
Operating pan-European – from the bustling investment hub of London to the talent-filled tech hubs of Cambridge and the Netherlands - we perfect the payments experience for our customers through a combination of best-in-class technology, constant innovation, and in-house expertise.
We are independently owned, allowing us to respond quickly to growth opportunities, and enjoy the backing of leading fintech investor Pollen Street Capital.
With an impressive growth trajectory, we are constantly looking for the best and brightest industry talent to help support our ambitious goals.
In return for your dedication, innovation, and good company, Cashflows offers a competitive salary and benefits, along with extensive perks.
Come and join the team that's writing the future of fintech!
Our vision
With Cashflows, business is always personal.
Our mission
Our people work hard to understand our partners, customers, and industries, inside out. That’s why it’s our people that steer our business, transforming challenges, ideas, and technology into uncomplicated payment solutions that are easy to use and make perfect sense for your business.
While technology powers payments, it’s people that make them perfect.
Payments perfected by people.
The values we live by
1. Courage - We’re leaders, who step-up to help others. We have the courage to ask questions and challenge constructively. We're empowered to make decisions.
2. Collaboration - We communicate openly, have compassion, and support others to get the job done. We understand the "big picture", where customers and partners fit, and how we can help.
3. Clarity - We’re clear about our priorities and what's expected of us. We work hard to solve problems, making sure our solutions are understood. Above all, we keep things simple!
It’s essential to us that we bring on board new colleagues that demonstrate these values, and so if you like what you see so far, keep on reading!
The Job
As our Risk & Fraud Analyst, you'll be responsible for monitoring potential risk and fraud in small, medium, and large companies. You’ll ensure we adhere to onboarding and risk mitigation strategies to drive profitable growth. You’ll be working with the operations, customer service, onboarding, and sales teams to minimize any risks.
You'll be part of our Risk & Compliance team, reporting to the Risk & Fraud Team Leader.
What you'll be doing
1. You’ll be working with your own portfolio of small, medium, and large companies to mitigate risk and fraud.
2. Working closely with the Transaction Monitoring analysts to assist them with their investigations.
3. Being a decision maker and adjusting risk parameters to reflect merchant’s transaction volume; monitoring merchant settlements, refunds, and chargebacks to identify any unusual transaction behavior.
4. Reporting detailed financial analysis of companies we work with, identifying key risks, undertaking market analysis, and calculating potential exposure based on the nature of the products sold and delivery fulfillment times.
5. Making use of 3rd party software systems to identify and manage risk, fraud, AML, and terrorist financing tools to identify, manage, and mitigate risk.
6. Training and development of staff both within the Risk team as well as other teams.
7. Working on strategic projects within the Risk team.
8. Managing escalated alerts within our in-house fraud tool.
9. Making recommendations to reduce or control risk.
10. Maintaining long-term strategic relationships and influence with appropriate stakeholders, both internally and externally.
11. Providing solutions to the business to help the company grow and develop.
Skills you’ll need
1. Previous experience in working for an acquirer/issuer in Risk/Fraud/Underwriting is essential.
2. Good understanding of Card Scheme Rules.
3. Previous experience in managing credit portfolios that include sports clubs would be beneficial.
4. Previous experience in writing of fraud rules.
5. Strong numeracy, analytical, and quantitative skills.
6. Planning and organizational skills and problem-solving ability.
7. Strong negotiation skills.
8. Excellent communication skills.
9. Strong Microsoft Excel skills.
10. The ability to be flexible, decisive, and quick-thinking.
11. The ability to handle complaints and difficult situations in a patient, calm, and effective way.
12. Attention to detail and accuracy.
13. Capacity to work independently as well as part of a team and be able to deal with pressure.
The hours
This is a 9-month fixed-term contract for 40 hours per week – Monday to Friday. An ideal start date would be February 2025.
What you'll get
Our benefits and perks include:
1. Salary is competitive and negotiable.
2. 25 days holiday per year, plus a day off on your birthday, a wellbeing day, and one day if you're moving house.
3. Private Medical Insurance.
4. 4x salary life assurance.
5. Income protection.
6. 6% employer pension contributions.
7. Health Cash Plan cover.
8. Charity matching & volunteering opportunities.
9. Bike to Work Scheme.
10. And discounts with a range of retailers.
11. Flexible working, we believe that it’s important for us to work flexibly and so we're very supportive of working from home and in the office.
And finally, we also throw a great staff party twice a year.
Our selection process steps
If you like the sound of this role, please click apply!
If we think from your application, we'll be a good fit for one another, we'll get in touch for a call. We'll talk to you about the role, why we enjoy working here so much, and find out more about you.
From there, if we both think it’s a good match, we'll proceed with arranging interviews, they'll either be over the phone, via Microsoft Teams, or in person. We'll let you know as soon as we've made a decision on whether we'd like to proceed with things further with you.
If you have any questions, you're always welcome to reach out to our friendly People team via recruitment@cashflows.com.
Job Type: Temporary
Schedule:
* Monday to Friday
Work Location: Hybrid remote in London EC4A 4AF
#J-18808-Ljbffr