Fraud and Transaction Monitoring Analyst

Company Overview   

 

Intercash is a leading global provider of payments and financial services specializing in card issuing and card program management technology and services. Intercash’s technology and service suite span across North America, South America, Europe and Asia Pacific.  

  

With a growing portfolio of global businesses partnering with Intercash to support their mass global payment needs, and with a team of young and experienced professionals who have led the way to the company’s rapid growth for the last decade, we are building the future of Fintech.   

  

At the heart of our operation and service offering is our technology platform. We develop all of our core technology in-house and are continuously investing in the development of innovative financial technology to remain a leading provider.   

Intercash allows for an extremely exciting and rewarding work environment with room to grow your achievements, career, and position in the company as well as an opportunity to be a part of an extremely dynamic and fast-growing Fintech industry. 

 

Position Overview 

The Fraud and Transaction Monitoring Analyst supports the Consumer Compliance Department by detecting, reviewing, and investigating fraud and suspicious activity involving cardholders. The role covers real-time and retrospective transaction monitoring, using Featurespace and other internal systems to identify unusual patterns and potential fraud, money laundering, or terrorist financing risks. 

Working with cardholders, corporate clients, and internal teams, the Analyst gathers information, documents findings, and takes or recommends risk-based action in line with established approval requirements. Reporting to the Head of Compliance, the Analyst escalates concerns as appropriate and conduct KYC reviews, monitoring enhancements, and management reporting. 

This role is based in the Miami area. Successful candidates may eventually be required to attend our Miami-area office once or twice per week, or as required. The position follows standard business hours. 

Responsibilities 

• Review real-time and retrospective cardholder transactions in Featurespace and other systems for potential fraud and suspicious activity. 
• Investigate fraud and AML alerts, analyze transaction patterns, and assess money laundering and terrorist financing risks. 
• Document investigations, supporting evidence, conclusions, and actions, maintaining complete case records and audit trails. 
• Take preventive action within approved authority or escalate proposed card or transaction restrictions when required. 
• Escalate significant fraud concerns and potentially suspicious activity to the Head of Compliance and MLRO, as appropriate. 
• Communicate with cardholders, corporate clients, and internal teams to obtain information and resolve investigation-related requests. 
• Perform cardholder KYC reviews and verification requests in support of investigations. 
• Identify emerging fraud trends, transaction monitoring risks, and evolving suspicious activity patterns. 
• Prepare regular and ad hoc investigation reports, case statistics, and monitoring updates for management. 
• Recommend improvements to monitoring rules, thresholds, processes, and investigative procedures. 
• Collaborate with IT and other teams to test and implement updates to monitoring systems and controls. 

 

Skills 

• Strong analytical, investigative, decision-making, and problem-solving skills with attention to detail. 
• Understanding of payment card fraud typologies, suspicious transaction patterns, and AML risk indicators. 
• Strong written and verbal communication, organization, prioritization, and case-documentation skills. 
• Proficiency in Microsoft Excel and transaction-data analysis; familiarity with Visa/Mastercard card operations. 
• Ability to work independently and collaborate effectively with internal and external stakeholders. 

 

Requirements 

• Bachelor’s degree in any field. 
• 2+ years of relevant experience in payment card fraud investigations and AML transaction monitoring. 
• Experience analyzing cardholder transactions and monitoring alerts in a payments or financial services environment. 
• Fraud or AML certifications (such as CAMS or CFE) and experience with Featurespace are considered assets.