Card Transactions Monitoring Analyst

About Payoneer

Founded in 2005, Payoneer is the global financial platform that removes friction from doing business across borders, with a mission to connect the world's underserved businesses to a rising global economy. We're a community with over 2,500 colleagues all over the world, working to serve customers, and partners in over 190 countries and territories.

By taking the complexity out of the financial workflows–including everything from global payments and compliance to multi-currency and workforce management, to providing working capital and business intelligence–we give businesses the tools they need to work efficiently worldwide and grow with confidence.

Role Summary

Payoneer is looking for a proactive, detail-oriented, and data-driven Card Transactions Monitoring Analyst to join our Fraud & Compliance Operations team. This role is ideal for someone who combines strong analytical and investigative skills with hands-on data capabilities.

You will be responsible for monitoring debit card transactions (physical and virtual) to detect fraud, assess AML risks, and support internal investigations. The role sits within the second line of defense, offering both strategic oversight and operational depth. You'll be expected to work with complex datasets, identify patterns, draw data-driven conclusions based on user behavior, and clearly communicate your findings to stakeholders.

You'll collaborate with cross-functional teams to manage alerts, analyze fraud and AML patterns, and ensure compliance with regulatory requirements in a dynamic global environment. If you're experienced in compliance and fraud detection, have a background in data analysis, and enjoy driving operational excellence — this role is for you.

What You'll Do

Monitor and analyze debit card transactions (virtual and physical) to detect suspicious or fraudulent activity.
Investigate fraud alerts and reports (e.g., chargebacks, card misuse, customer claims).
Conduct research and provide data-driven analytical/risk insights using large datasets.
Support AML-related investigations tied to card activity and customer behavior.
Conduct enhanced due diligence (EDD) for card limit increase requests.
Evaluate system-generated alerts and determine next steps based on data and risk indicators.
Leverage data tools (SQL, Excel, BI tools) to identify trends and improve detection mechanisms.
Optimize transaction monitoring processes and tools based on analytics and feedback.
Ensure compliance with internal controls and regulatory frameworks.
Prepare reports, dashboards, and summaries of fraud cases, trends, and escalations.
Collaborate with global teams across Risk, Data, Compliance, and Operations functions.

Who You Are

2+ years of experience in Risk, Compliance, Fraud Operations, or related analytical roles.
Proven experience with data analysis and using data to identify behavioral trends and anomalies.
Proficiency in SQL – able to extract and analyze large datasets independently.
Strong command of Excel; familiarity with BI tools (e.g., Looker, Power BI) is a plus.
Sharp investigative mindset and strong analytical thinking.
Strong communication skills in English, both written and verbal.
Bachelor's degree in a relevant field.
Highly motivated, adaptable, and able to work in a fast-paced environment.
Excellent attention to detail while maintaining a broad risk perspective.
Team player with strong cross-functional collaboration skills.

Nice to Have

Experience with open-source intelligence (OSINT) investigations.
Hands-on experience with AML transaction monitoring platforms.
Prior experience in a fintech or global financial institution.

#LI-MI1

The Payoneer Ways of Working

Act as our customer's partner on the inside
Learning what they need and creating what will help them go further.

Do it. Own it.
Being fearlessly accountable in everything we do.

Continuously improve
Always striving for a higher standard than our last.

Build each other up
Helping each other grow, as professionals and people.

If this sounds like a business, a community, and a mission you want to be part of, apply today.

We are committed to providing a diverse and inclusive workplace. Payoneer is an equal opportunity employer, and all qualified applicants will receive consideration for employment no matter your race, color, ancestry, religion, sex, sexual orientation, gender identity, national origin, age, disability status, protected veteran status, or any other characteristic protected by law. If you require reasonable accommodation at any stage of the hiring process, please speak to the recruiter managing the role for any adjustments. Decisions about requests for reasonable accommodation are made on a case-by-case basis.