[Hiring] Senior Fraud Investigator @Armitage Labs

Role Description

We are hiring a Senior Fraud Investigator to own the operational side of Creem's fraud and risk program: monitoring, investigations, case decisions, and merchant communication. Today this work is handled by external consultants, and your mandate is to bring it fully in-house and run it as a core internal capability, so that outside operational support is no longer needed.

You will work hand-in-hand with the rest of the risk & compliance team, and together you will own the design of the automated fraud prevention program. Where the rest of the team is mainly focused on building and automating the controls, you are the human layer on top of them - you investigate what the systems flags, make the calls the systems cannot, and feed what you learn back into the rules and scenarios so the program keeps getting more proactive and more precise. As a Merchant of Record we face risk from both sides - merchants abusing the platform and end-customers defrauding our merchants - and your casework covers both.

The operating principles are the same as for the wider program: act early rather than clean up late, keep decisions consistent, methodological, and audit-trailable, and keep the impact on legitimate merchants and end-customers minimal.

What you will do

• Monitor and analyse activity across the platform.
• Review merchant activity, transaction patterns, and risk signals to detect fraud, abuse, and policy violations.
• Investigate flagged cases.
• Own the investigation and case review of flagged merchants and suspicious activity.
• Be decisive and own your decisions.
• Communicate directly with merchants.
• Strengthen the controls.
• Support the prevention program.
• Automate and effectivize.
• Document everything.
• Build in-house competence.

What success looks like

• Flagged cases are investigated and decided quickly and within the established SLAs.
• Legitimate merchants experience minimal friction.
• Casework systematically feeds the automated program.
• Merchant offboarding is methodological and audit-trailable.
• There is no longer a need for external consultant engagement(s).

Qualifications

• Experience (typically 5+ years) in fraud operations, investigations, transaction monitoring, or merchant risk at a PSP, Merchant of Record, acquirer, fintech, or high-volume online merchant.
• Strong investigative instincts: able to evaluate evidence and documentation critically.
• Sound, defensible judgement — comfortable making retention, restriction, and offboarding decisions independently.
• Analytical skills: confident working with transaction data and risk signals; SQL or similar hands-on data skills are a strong plus.
• Excellent written and oral communication.
• Working knowledge of the compliance context.
• An owner's mindset: you can run a case queue autonomously.

Requirements

• Experience with fraud patterns specific to SaaS, AI, or digital-goods businesses.
• Familiarity with KYB/underwriting, AML/CTF concepts, or merchant due diligence.
• OSINT and open-web investigation techniques for verifying merchants.
• Experience working with case management and fraud prevention tooling.
• Prior team leading and/or domain ownership experience.

Why this role

Fraud operations at a Merchant of Record is where judgement meets real stakes: every decision you make protects our merchants, our platform, and our standing with payment partners. You will not be a cog in a large review team — you will own the operation, shape how it runs, and see your casework directly harden the automated program. You will work remote-friendly across European time zones, with the autonomy and trust that come with being the person who makes the calls.