Merchant Monitoring Analyst

ZEN.COM is a smart financial app designed for your everyday life – at home and on the go. We make payments, online shopping, and personal finance management fast, secure, and effortless. With ZEN.COM, you can enjoy cashback on purchases, full control over your spending, and peace of mind thanks to purchase protection. A built-in multi-currency account lets you spend abroad or shop internationally with great exchange rates and no hidden fees.

• At least 1 year of professional experience in merchant monitoring or e-commerce fraud area.
• Experience in the field of fraud detection techniques.
• Good knowledge of the industry and payments ecosystem.
• High level of responsibility, curiosity, and conscientiousness.
• Strong analytical and problem-solving skills with attention to detail.
• Ability to maintain confidentiality and data protection.
• Attention to detail and high productivity.
• Goal-oriented approach with a focus on achieving results.
• Excellent communication and interpersonal skills.
• Ability to work effectively in a fast-paced environment and collaborate with cross-functional teams.
• Fluent English and Polish is a must (at least B2).

• Conduct ongoing monitoring of the merchant portfolio to assess transaction risk, and ensure compliance with operational procedures and requirements of payment organizations.
• Identify and monitor suspicious activities and risks within the merchant portfolio based on transactional behavior analysis, historical data, and other relevant factors.
• Stay updated on emerging fraud trends and techniques within the organization to enhance fraud detection capabilities regularly.
• Analyze transactional data and generate actionable recommendations aimed at improving fraud detection and minimizing rejection rates for merchants.
• Verify specific sectors of payments to reduce the number of possible abuses.
• Implement various solutions to prevent fraudulent transactions and activities within the merchant portfolio effectively.
• Continuously monitor merchant reputation, store content, negative news, and potential money laundering cases.
• Monitor reserve levels, transaction limits, and credit risk within the merchant portfolio to mitigate financial risks.
• Collaborate closely with external institutions, merchants, and partners.
• Process assigned tasks and projects while suggesting and implementing innovative solutions to improve fraud detection and risk mitigation strategies.
• Provide training and awareness sessions to internal and external stakeholders on fraud prevention best practices, emerging fraud trends, and the importance of merchant monitoring.