Risk Fraud Analyst Transaction Monitoring

## About the company Decentro is a Y-Combinator backed banking & payments infrastructure company. Decentro provides building blocks that help companies stitch their fintech workflows in a few weeks. While starting our first fintech venture back in 2014, we spent years convincing banks to partner with us. Before we could launch our fintech product (more here), we had to convince different departments within banks - including technology, business, leadership, legal, and support to get the green signal. Fast forward to today, we realise that banks & regulatory institutions find it difficult to help the longer tail of companies build innovative & compliant fintech solutions. What if there was a platform (think AWS for cloud or Twilio for messaging) that abstracts the complexities of banking, identity, payments, lending, and provides simple APIs so that companies do not have to spend years dealing with banks? We're solving this pain point at Decentro since 2020. We've scaled to process $4 billion + in payment volumes & have 1400+ customers across India & Singapore in multiple verticals such as marketplaces, banks, regulated institutions, fintechs, lenders, gaming, and more. ## About the role We are looking for a proactive and detail-oriented Transaction Monitoring & Risk Analyst to join our Risk & Compliance team. The ideal candidate will have experience in transaction monitoring, fraud detection, and merchant risk assessment, preferably within a fintech or banking environment. ## Responsibilities - Monitor transactions in real-time and identify suspicious or high-risk activities. - Investigate fraud alerts, chargebacks, and disputes, and take necessary actions to mitigate financial risk. - Conduct merchant due diligence including KYC verification, website assessments, and risk categorization. - Identify fraud patterns and recommend improvements to risk rules and monitoring systems. - Ensure compliance with AML/KYC policies, RBI guidelines, and internal risk frameworks. - Support regulatory reporting and maintain proper documentation for audits and compliance checks. - Collaborate with internal teams and external stakeholders (banks, merchants) for risk-related queries and resolutions. ## Requirements - 1–3 years of experience in transaction monitoring, fraud risk, compliance, or similar roles in fintech/banking. - Strong analytical skills with attention to detail and ability to identify patterns/anomalies. - Proficiency in Excel; experience with transaction monitoring or fraud detection tools is a plus. - Good understanding of AML/KYC requirements, RBI regulations, and payment fraud trends. - Strong communication skills and ability to work with cross-functional teams and external stakeholders. ## What we offer - The opportunity to make a real impact and contribute to the next wave of fintech innovation globally. - A diverse and multicultural team, bringing together perspectives from different regions and backgrounds. - Flexible and progressive work hours that align with your lifestyle. - Backed by global investors such as Y Combinator, InfoEdge Ventures & Rapyd, we foster a culture of independent thinkers and strong executors driven to build meaningful products