Fraud Risk Ops

About Amartha

Amartha is a technology company focused on creating shared prosperity by developing digital financial solutions for the grassroots economy. Founded in 2010 as a microfinance institution, Amartha connects rural, women-led micro-enterprises with affordable capital. Amartha is expanding as a tech company, building a microfinance ecosystem that connects to the growing digital economy through capital, investment, and payment services. By boosting the competitiveness of micro and small entrepreneurs, Amartha empowers women-led MSMEs, creates jobs, and fosters inclusive economic growth.

About the Team

Digital Product Risk Management team is responsible for protecting the integrity, security, and trust of the company’s digital products and services. The team manages fraud operations end-to-end, including fraud monitoring, investigations, case handling, incident response, and regulatory compliance related to fraud risk management.

Working closely with internal stakeholders such as Operations, Compliance, Product, Customer Service, and Technology, the team focuses on identifying emerging fraud patterns, minimizing financial losses, ensuring regulatory adherence, and strengthening fraud prevention controls across digital platforms and user activities.

This role is suited for someone who is analytical, detail-oriented, operationally disciplined, and comfortable handling complex fraud cases in a fast-paced digital product environment.

Responsibilities

• Conduct end-to-end fraud investigations involving digital product transactions, account activities, onboarding anomalies, abuse patterns, social engineering cases, and unauthorized activities.
• Analyze transaction data, behavioral patterns, device indicators, and account activities to identify suspicious or fraudulent behavior.
• Perform fraud case handling, evidence gathering, documentation, and escalation in accordance with internal procedures and regulatory requirements.
• Support fraud monitoring activities and assist in identifying emerging fraud trends, typologies, and operational vulnerabilities.

• Collaborate with internal teams including Compliance, Operations, Customer Support, Product, and Engineering to resolve fraud-related incidents and improve controls.
• Collaborate with internal teams including Fraud Risk Analyst, Compliance, Operations, Customer Support, Product, and Engineering to resolve fraud-related incidents and improve controls.
• Prepare investigation reports, suspicious activity documentation, root cause analysis, and management summaries.
• Assist in developing and refining fraud detection rules, investigation workflows, and operational procedures.
• Participate in incident reviews, fraud risk assessments, and process improvement initiatives.
• Maintain proper case management records and ensure timely resolution of assigned investigations.

Requirements

• Minimum 2+ years of experience in fraud investigation, fraud operations, AML/fraud compliance, risk operations, or related fields within digital products, fintech, technology platforms, e-commerce, banking, or financial services.
• Good knowledge in Microsoft Excel, SQL, and data analysis for fraud investigation purposes.
• Strong understanding of fraud typologies, including account takeover, social engineering scams, identity fraud, abuse activities, onboarding fraud, and unauthorized transactions.
• Experience handling fraud investigations and operational case management independently.
• Familiarity with fraud monitoring systems, transaction analysis tools, and case management platforms.
• Knowledge in regulatory and compliance requirements related to fraud risk management and digital platform operations is a plus.
• High attention to detail, strong sense of accountability, and ability to manage multiple investigations simultaneously.
• Experience in technology companies, fintech, e-commerce, or digital platform environments is strongly preferred.
• Bachelor’s degree in Finance, Accounting, Criminology, Information Systems, Business, Law, or related fields preferred.

At Amartha, we are dedicated to creating a workplace that celebrates diversity, ensures equity, and fosters inclusion. We believe that diverse perspectives—shaped by factors such as gender, age, race, ethnicity, education, culture, and life experiences—drive innovation and growth.

We actively welcome individuals from all backgrounds to join us in building an environment where everyone feels respected, valued, and empowered. Our commitment is to provide equal opportunities and foster a sense of belonging that enables our employees to thrive and make meaningful contributions.