About Bits Bits is a UK fintech company offering credit card and other credit products to help customers take control of their financial future. About the Role We're looking for a detail-oriented Fraud & Compliance Analyst to join our team. You'll play a critical role in protecting our customers and the business through fraud prevention, dispute management, regulatory compliance, and customer escalation handling. Key Responsibilities:Fraud & Financial Crime Detect, investigate, and prevent fraudulent activity across customer accounts and transactions Monitor and respond to fraud alerts, identifying patterns and emerging threats Conduct Enhanced Due Diligence (EDD) on higher-risk customers Prepare and submit Suspicious Activity Reports (SARs) as required KYC & AML Compliance Conduct KYC screening including PEPs, sanctions, adverse media, and fitness & probity checks Manage ongoing monitoring and periodic reviews of customer risk profiles Support AML reporting and regulatory submissions Maintain accurate records and documentation for audit purposes Disputes & Chargebacks Manage Stripe disputes and Mastercard Mastercom chargeback cases end-to-end Investigate disputed transactions, gather evidence, and prepare representment documentation Track dispute outcomes and identify root causes to reduce future chargebacks Customer Escalations & Complaints Handle escalated customer tickets and complaints, including Financial Ombudsman Service (FOS) cases Review and respond to CIFAS markers and data-sharing requests Work with internal teams to resolve complex customer issues Policy & Audit Evaluate and update fraud, AML, and compliance policies Support internal and external audits with third-party vendors Contribute to process improvements and automation initiatives Requirements Requirements1-3 years' experience in fraud, compliance, disputes, or financial crime within fintech or financial servicesUnderstanding of UK AML regulations, KYC requirements, and FCA expectations Experience with chargeback management (Visa/Mastercard dispute processes) Familiarity with screening tools (e.g., Sumsub, ComplyAdvantage) and CRM/ticketing systems (e.g., Gorgias, Zendesk) Strong analytical and investigative skills with excellent attention to detail Ability to work independently and manage competing priorities Desirable Experience handling FOS complaints Knowledge of Consumer Duty and TCF principles ICA or similar compliance certification
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