Payment Operations Analyst APP Fraud and Collateral

Payment Operations Analyst Specialist APP Fraud & CollateralEdinburgh Full-time In office 4 days/weekDo you have experience investigating payment fraud and managing collateralAre you passionate about safeguarding assets and improving payment processesDo you want to develop your expertise in embedded payments and financial risk managementIf so we would love to hear from youWho We Arewebsite and careers site.What Youll DoSupport the resolution of Authorised Push Payment (APP) fraud cases collaborating with internal teams partners and UK PSPs to ensure efficient case handling and compliance.Monitor collateral accounts and limits across products (APP fraud Cards Direct Debits) raising requests with partners where coverage is insufficient.Conduct annual reviews of partner collateral positions assessing adequacy based on historical data fraud trends and Direct Debit performance.Perform daily reconciliations of fraud-related collateral accounts identifying discrepancies raising eligible chargebacks and reporting findings.Manage and execute the repatriation of recovered funds to victims ensuring accuracy and regulatory compliance.Support the development and delivery of management information (MI) and reporting related to APP collateral management providing data-driven insights.Who You AreWhat youll need:A curious mindset and drive to explore how AI and data can enhance operational efficiency.Experience in payments investigations APP fraud detection reconciliations or treasury operations.Knowledge of UK and/or international payment schemes (e.g. Faster Payments BACS CHAPS SEPA SWIFT) and fraud risk management.Awareness of financial regulations and reporting requirements especially relating to fraud and collateral.Nice to haves:Experience investigating payment failures exceptions and fraud incidents.Proactive approach to leveraging emerging technologies for process improvement.Excellent Excel skills for analysis and reporting.What We Offer YouShare Options: Company Share Option Plan (CSOP) benefit from any increase in share value in the event of a sale merger or flotation.Bonus: Annual discretionary bonus paid in May for the previous year based on company and individual performance.Flexible benefits: 1000 to spend on benefits to suit you including private medical insurance gym membership dental etc.Wellbeing app: Confidential on-demand access to therapy coaching counselling management training or mindfulness sessions with accredited professionals.Holidays: 33 days annual leave (including bank holidays) plus your birthday the UK Christmas Day Boxing Day and New Years Day are fixed holidays; you can choose the remaining days.Learning opportunities: Two-day onboarding programme ModStart plus ongoing development support.Company-wide events: Participate in collaborative and engaging events with colleagues across the business.Bike to work / E-bike schemeModInclusionAt Modulr were committed to building a diverse equitable and inclusive culture where everyone feels they belong and can bring their whole self to work. We welcome applications from candidates of all backgrounds as we believe its the right thing for our people our business and the community we operate in.By submitting your CV you understand that we have a legitimate interest to use your personal data for the purposes of assessing your eligibility for this role. This means that we may use your personal data to contact you to discuss your CV or arrange an interview or transfer your CV to the hiring manager(s) of the role you have applied for. You can ask us at any time to remove your CV from our database by emailing but please note that this means we will no longer consider you for the role you have applied for.Required Experience:IC Key Skills Microsoft Office,Risk Management,Financial Services,Customer Service,Fraud,Root cause Analysis,Law Enforcement,Banking,Analysis Skills,Authentication,Qualitative Research Interviewing,ACH Employment Type : Full Time Experience: years Vacancy: 1