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WeFi · 1 day ago

Senior Fraud Operations Associate

United States

Full-time

Remote

Mid, Senior Level

4+ years exp

WeFi is on a mission to simplify money movement and management for people and businesses globally. The Senior Fraud Operations Associate will lead complex investigations, operationalize AML policies, and enhance fraud monitoring processes while collaborating with various teams to improve control frameworks.

BlockchainCryptocurrencyDecentralized Finance (DeFi)FinTechPaymentsWeb3

Responsibilities

Lead complex investigations across KYC, transaction monitoring, card, ITO and on-/off-ramp flows, tying together internal data, partner info and on-chain analytics to reach clear, defensible decisions

Operationalise regulatory requirements by turning AML obligations (TM, fraud monitoring, ODD/EDD, Travel Rule, sanctions) into concrete workflows, processes and controls

Use SQL to drive decisions, writing and reviewing queries to pull customer, transaction and device data, back-test rules and quantify risk scenarios

Tune and maintain monitoring rules in partnership with Fraud, Compliance and Data, refining thresholds and logic to reduce false positives while catching real risk

Own ODD/EDD reviews for higher-risk customers, assessing SoF/SoW, geography, product usage and counterparties against our risk appetite

Handle partner escalations end-to-end, including bank/processor cases, recalls, chargebacks, disputes and sanctions hits, ensuring timely, well-documented responses

Draft high-quality narratives that clearly explain what happened, why it matters, and the rationale for account actions or reporting decisions

Identify trends and gaps from alerts, disputes and investigations, and feed these insights into product changes, new rules, or process improvements

Support playbook and training development so first-line teams handle low-risk scenarios confidently and escalate the right cases with the right evidence

Qualification

Financial crime experienceAML knowledgeSQL proficiencyEU regulatory knowledgeCompliance tools experienceBias for actionWritten communicationVerbal communicationCollaborative working style

Required

4+ years of financial crime experience in AML, fraud, investigations or compliance operations, ideally in fintech, payments or crypto

Practical EU regulatory framework (MiCA) knowledge, with a track record of turning regulatory text into real-world controls, workflows and documentation

Able to use SQL to query large datasets and answer open-ended risk questions, is a plus

An investigator's mindset, able to work with incomplete information, and justify risk decisions with clear logic and evidence

Experience with compliance/fraud/AML tools and comfort working across multiple vendor platforms and internal systems (e.g. Chainalysis, Elliptic, Sardine, Sift, ComplyAdvantage, Hummingbird, WorldCheck One, LexisNexis, etc.)

Excellent written and verbal communication in English is a must. You will be expected to explain complex cases, write documentation and produce reports for key stakeholders

Collaborative working style, able to partner effectively with other departments in a fast-moving environment

Bias for action and ownership, taking responsibility for ambiguous problems and driving them through to resolution