Senior Fraud Analyst

WHO WE ARE At Trustly, we're building a smarter, faster, and more secure financial future by revolutionizing the world of payments. As a global leader in Open Banking Payments, we are establishing Pay by Bank as the new standard at checkout, providing unparalleled freedom, speed, and ease to millions of consumers and merchants worldwide. Our Ambition: To build the world’s most disruptive payment network and redefine what the payment experience should feel like. Trustly is a global team of innovators, collaborators, and doers.  If you are driven by a strong sense of purpose and thrive in a dynamic, entrepreneurial, and high-growth environment, join us and be part of a team that’s transforming the way the world pays. ABOUT THE RISK PRECISION TEAM Risk Precision is Trustly’s analytical and control-focused capability within Financial Crime Prevention. The team bridges operational insights, data, and risk appetite to ensure our fraud, AML, and other risk controls are effective, measurable, and continuously improving. The team owns the performance KPIs, detection logics, thresholds, and decision frameworks, working closely with Machine Learning, Product, and Operations. The focus is on precision - minimising risk exposure and customer friction while maximising detection accuracy. Risk Precision ensures that how we manage risk is data-driven, transparent, and aligned with both regulatory expectations and business goals. ABOUT THE ROLE As a Senior Fraud Analyst within Trustly’s Risk Precision team, you take ownership of fraud risk performance in Trustly's payment flows. Your role sits at the intersection of risk appetite, operational reality, and data-driven execution. You are responsible for translating risk strategy into concrete actions that improve accuracy, reduce financial exposure, and support sustainable business growth. This role goes beyond analysis. You own risk controls, performance outcomes, and continuous improvement within your domain. Working closely with Machine Learning, Product, Compliance, and Operations, you help ensure that Trustly’s fraud detection framework remains precise, scalable, and aligned with regulatory and business expectations. What you'll do

Own the configuration, performance, and continuous optimization of fraud models and rules, thresholds, and decision logic

Be accountable for fraud KPIs and take active ownership of improving performance over time

Conduct in-depth impact and root-cause analysis to support data-driven decision-making

Translate operational insights and risk appetite into tangible detection and mitigation actions

Collaborate closely with the Machine Learning team to align model outputs with fraud logic and improve overall prevention and detection performance

Review, propose, and implement changes to thresholds, escalation logic, and risk controls in coordination with the Fraud Strategy Lead

Contribute to the drafting and refinement of fraud-related policies, procedures, and risk documentation

Partner with stakeholders across Compliance, Product, and Operations to align mitigation strategies, process changes, and regulatory requirements

Stay up to date on fraud trends, typologies, and industry best practices

Who you are

Several years of experience in fraud prevention, fraud analytics, or risk management within financial services or fintech

Strong understanding of fraud typologies, detection strategies, and risk control frameworks

Proven ability to own performance metrics and drive measurable improvements

Highly analytical, with the ability to translate complex data into clear insights and actions

Comfortable working at the intersection of rules-based controls and machine learning models

Confident communicator, able to present insights to both technical and non-technical stakeholders

Structured, accountable, and comfortable making risk-based trade-offs