# Fraud & Compliance Analyst

**Company:** [Bits](http://jobs.workable.com/companies/rLtJQmzwkbLspcK7ZAPBMV.md)
**Location:** Remote
**Workplace:** remote
**Employment type:** Full-time
**Department:** Customer Success

[Apply for this job](http://jobs.workable.com/view/671ef8f1-1aec-4667-924f-8b29d950edc3)

## Description

**About Bits**

Bits is a UK fintech company offering credit card and other credit products to help customers take control of their financial future.

**About the Role**

We're looking for a detail-oriented Fraud & Compliance Analyst to join our team. You'll play a critical role in protecting our customers and the business through fraud prevention, dispute management, regulatory compliance, and customer escalation handling.

**Key Responsibilities:**

**Fraud & Financial Crime**

-   Detect, investigate, and prevent fraudulent activity across customer accounts and transactions
-   Monitor and respond to fraud alerts, identifying patterns and emerging threats
-   Conduct Enhanced Due Diligence (EDD) on higher-risk customers
-   Prepare and submit Suspicious Activity Reports (SARs) as required

**KYC & AML Compliance**

-   Conduct KYC screening including PEPs, sanctions, adverse media, and fitness & probity checks
-   Manage ongoing monitoring and periodic reviews of customer risk profiles
-   Support AML reporting and regulatory submissions
-   Maintain accurate records and documentation for audit purposes

**Disputes & Chargebacks**

-   Manage Stripe disputes and Mastercard Mastercom chargeback cases end-to-end
-   Investigate disputed transactions, gather evidence, and prepare representment documentation
-   Track dispute outcomes and identify root causes to reduce future chargebacks

**Customer Escalations & Complaints**

-   Handle escalated customer tickets and complaints, including Financial Ombudsman Service (FOS) cases
-   Review and respond to CIFAS markers and data-sharing requests
-   Work with internal teams to resolve complex customer issues

**Policy & Audit**

-   Evaluate and update fraud, AML, and compliance policies
-   Support internal and external audits with third-party vendors
-   Contribute to process improvements and automation initiatives Requirements

## Requirements

-   1-3 years' experience in fraud, compliance, disputes, or financial crime within fintech or financial services
-   Understanding of UK AML regulations, KYC requirements, and FCA expectations
-   Experience with chargeback management (Visa/Mastercard dispute processes)
-   Familiarity with screening tools (e.g., Sumsub, ComplyAdvantage) and CRM/ticketing systems (e.g., Gorgias, Zendesk)
-   Strong analytical and investigative skills with excellent attention to detail
-   Ability to work independently and manage competing priorities

**Desirable**

-   Experience handling FOS complaints
-   Knowledge of Consumer Duty and TCF principles
-   ICA or similar compliance certification