Fraud Analyst

About this role

Onmo believes that everyone has the right to access, understand and manage their money with

confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead.

We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer.

Onmo is looking for a Fraud & AML Data Analyst to support the Fraud & Financial Crime function with high-quality analysis, reporting and insight. You will help identify emerging risks, analyse fraud and AML trends, support rule tuning, and provide the data needed to strengthen our fraud and FC controls.

This role is key in helping the team make informed decisions, reduce losses, and improve our overall detection capability.

RESPONSIBILTIES

• Produce accurate MI, dashboards and KRIs for internal stakeholders
• Analyse fraud losses, TM alerts, referral trends and emerging risk patterns
• Support tuning and performance monitoring of fraud and AML systems (Detect, Stripe, iOvation, etc.)
• Conduct deep dives and provide clear, actionable insights to improve fraud and AML controls
• Prepare data extracts and analysis for audits, CIFAS reviews and regulatory requests
• Work with Product, Tech, Credit and Operations to support data-driven improvements
• Maintain documentation of analysis, logic, assumptions and rule recommendations
• Identify control weaknesses and assist in designing improvements using data insight
• Work collaboratively with investigators and provide case-handling support during busy periods to maintain service levels.

FCA COMPLIANCE & CONSUMER DUTY

At Onmo we all take collective responsibility for our individual roles in creating the best outcomes for our customers. In this role that involves;

• Identifying and raising risk events in a timely manner when spotted
• Ensuring SMCR processes are followed
• Keeping up to date with changes in relevant regulatory rules
• Completing mandatory training within allotted deadline
• Championing policy governance
• Following the FCA Conduct Rules:

You must act with integrity

You must act with due skill, care and diligence

You must be open and cooperative with the FCA, PRA and other regulators

You must pay due regard to the interests of customers and treat them fairly

You must observe proper standards of market conduct

ABOUT YOU

• Strong analytical mindset with an ability to translate data into meaningful insight
• Experience working with SQL to extract and analyse data
• Ability to work with multiple stakeholders and communicate findings clearly
• Attention to detail and comfort working with complex datasets
• Understanding of fraud signals, risk scoring, TM alerts or AML trends is desirable
• Proactive, curious and comfortable working in a fast-paced environment

QUALIFICATIONS / EXPERIENCE

• Proven experience using SQL (required)
• Experience in fraud, AML, risk analytics or financial services preferred
• Experience building dashboards
• Understanding of fraud, AML or financial crime data desirable
• Experience testing rules desirable

About fraud prevention roles for ex-police

Fraud investigation, detection and financial-crime roles in banks, insurers and public bodies. Detective and economic-crime backgrounds map straight across, often with hybrid working and clear progression.